Rewrite insurance & benefits law

Effective in stages with each enrollment wave · Congress; DOL EBSA; Treasury; state insurance commissionersDiscuss this step

Short-term limited-duration plans, fixed indemnity plans & health care sharing ministries

endsYear 4Federal insurance & health law

Today

Cheaper, underwritten coverage outside ACA rules; sharing ministries are not insurance.

Under the plan

Banned as duplicative coverage for UHP-covered services; indemnity products allowed only as supplementary income protection.

Trade-off

Removes products that left people underinsured; members of sharing ministries lose a faith-based arrangement they chose.