Congress exempts short-term, limited-duration insurance (STLDI) from nearly all federal regulation. On September 1, the federal government imposed new regulations limiting STLDI policies to no more than three months. Supporters claim the new rules enhance consumer protections. Critics argue the new regulations eliminate consumer protections and will strip health insurance from the sick, leaving them uninsured for up to 12 months. The panelists will discuss whether this rule benefits or harms patients and whether it is vulnerable to legal challenge.

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