0938-AV92 202510 The Regulatory Plan and the Unified Agenda of Federal Regulatory and Deregulatory Actions 0938 Centers for Medicare & Medicaid Services CMS 0900 Department of Health and Human Services HHS Short-Term, Limited-Duration Insurance (CMS-9881)

This proposed rule would amend the definition of short-term, limited-duration insurance (STLDI) for purposes of exclusion from the definition of individual health insurance coverage under section 2791(b)(5) of the Public Health Service Act. The Departments continue to receive feedback from stakeholders expressing concerns that the current regulatory framework has created barriers to affordable coverage options for consumers who do not qualify for premium tax credits. While individuals who qualify for premium tax credits are largely insulated from significant premium increases, individuals who are not eligible for subsidies face financial challenges due to increased premiums in the individual market and few more affordable alternative coverage options. This rule would increase insurance options for consumers and provide greater flexibility in meeting their healthcare coverage needs.

]]> Economically Significant First Time Published in The Unified Agenda Proposed Rule Stage Yes No Other 42 CFR 144 42 CFR 146 42 CFR 148 PHS Act secs. 2791(b)(5) and 2792 No NPRM 08/00/2026 No Federal Undetermined No No Jeff Wu Deputy Director for Policy 0938 Centers for Medicare & Medicaid Services CMS 301 492-4305 jeff.wu@cms.hhs.gov Center for Consumer Information and Insurance Oversight, 7500 Security Boulevard, Baltimore MD 21244