4 Health Insurance Changes You Will See in 2019

SYDNEY FRAZER | October 4, 2018

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In the past, short term health plans, which are not compliant with the Affordable Care Act’s (ACA) regulations, could only be offered for up to three months. These plans aren’t required to, and typically don’t, cover certain benefits, like maternity care or mental health. Short term plans were primarily bought by people who found themselves in unexpected coverage gaps (e.g., they lost a job) and wanted some extra financial protection until they could enroll in a new health plan. This is one of the health insurance changes you will see this year. The Centers for Medicare and Medicaid Services (CMS) recently announced that short term plans can now be used for up to 12 months, with the possibility of renewing for up to three years. These plans will be significantly less expensive than standard, ACA-compliant plans because they don’t cover basic benefits and insurers don’t have to sell them to people with pre-existing medical conditions. Certain states, like New York and Vermont, have passed legislation that does not allow the sale of these short-term plans.

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From our modest roots starting in 1925 as a Pennsylvania auto insurer, we've grown to become a multi-line insurance company, offering auto, home, business and life insurance through our network of independent insurance agents. Today, our geographic presence extends to 12 states and the District of Columbia; from New York to North Carolina and from Wisconsin to Tennessee.

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