The undersigned consumer representatives to the National Association of Insurance Commissioners (NAIC) remain concerned that the proliferation of short-term, limited duration insurance coverage will confuse consumers, leaving some who sign up for short-term plans facing higher out-of-pocket costs, denied claims, and unpaid medical bills, while also leading to adverse selection that harms states’ individual insurance markets. A previous report prepared by Christina Goe and presented at the NAIC’s 2018 Spring National Meeting in Milwaukee outlined similar concerns. 

 

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