8/21/2025

Short-Term Health Insurance Plans May Expand

Short-term limited-duration health insurance (STLDI) plans could be making a comeback.
The current four-month cap may be lifted, opening the door to longer, low-cost coverage options.

What to know:

• Lower premiums, but fewer benefits — often no coverage for preexisting conditions, maternity, or mental health

• Healthy individuals may switch, which could raise premiums for traditional plans

• Employers could gain budget-friendly options, but coverage gaps can be costly

If these plans expand, the key will be balancing savings with protection.
📞 Let’s review your options before the rules change: 716-503-1113