How Biden’s 2025 Short-Term Insurance Rule Changes Affect You
Health Insurance Updates • Policy Change
What Changed in Biden’s Short-Term Insurance Rule?
Fast take: Starting in September 2025, new federal rules limit short-term medical plans to 3 months, with just a 1-month renewal. This change reduces flexibility and leaves many—especially self-employed workers—needing new solutions.
Why the new rules put many at risk
Providers like Golden Rule, National General, Everest, and Pivot Health have offered short-term plans as flexible, stopgap coverage. Under the new rule, these plans are much less viable. Many households will need to reassess coverage options before losing protection.
Your alternatives: Marketplace vs. underwritten plans
ACA Marketplace Plans
These plans guarantee acceptance regardless of pre-existing conditions. Subsidies may reduce premiums, but networks and deductibles can vary widely.
Medically Underwritten Plans
For healthy individuals, private PPOs may provide lower monthly costs and nationwide access. Underwriting applies, but these plans often mean lower out-of-pocket exposure compared to unsubsidized ACA coverage.
Employer Coverage
If you’re eligible through an employer, group plans remain strong options. However, adding dependents can drive up costs—so review carefully.
Secure your coverage today
The new rules significantly reduce the flexibility of short-term plans. Acting now ensures you avoid gaps in coverage and rising costs. At RKA Insurance Advisors, we specialize in navigating these changes and finding the right coverage in 32 states.
Quick FAQs
When does the new rule take effect?
Can short-term plans still be useful?
How can RKA help?
For education only; eligibility, availability, and pricing vary by carrier and state. Always review official plan documents.
