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HHS/CMS RIN: 0938-AU67 Publication ID: Fall 2024 
Title: Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage (CMS-9904) 
Abstract:

This final rule amends the definition of short-term, limited duration insurance, which is excluded from the definition of individual health insurance coverage under the Public Health Service Act. This document also sets forth amendments to the requirements for hospital indemnity or other fixed indemnity insurance to be considered an excepted benefit in the group and individual health insurance markets. 

 
Agency: Department of Health and Human Services(HHS)  Priority: Section 3(f)(1) Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Long-Term Actions 
Major: Yes  Unfunded Mandates: No 
CFR Citation: 45 CFR 144    45 CFR 146    45 CFR 148   
Legal Authority: Pub. L. 111-148, title I   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  07/12/2023  88 FR 44596   
NPRM Comment Period End  09/11/2023 
Final Action  04/03/2024  89 FR 23338   
Final Action Effective  06/17/2024 
Next Action to be Determined  To Be Determined 
Regulatory Flexibility Analysis Required: No  Government Levels Affected: Federal, State 
Federalism: Yes 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Related Agencies: Joint: DOL/EBSA, TREAS/IRS; 
Agency Contact:
Lindsey Murtagh
Director, Division of Regulations and Policy
Department of Health and Human Services
Centers for Medicare & Medicaid Services
Center for Consumer Information and Insurance Oversight, 7500 Security Boulevard,
Baltimore, MD 21244
Phone:301 492-4106
Email: lindsey.murtagh@cms.hhs.gov