The health insurance landscape just shifted in a big way. Following the recent CMS statement on Short-Term, Limited-Duration Insurance (STLDI), 12-month STM plans are back, and AHCP is ready to deliver.

For years, short-term medical has been a critical bridge for clients who:

  • Are priced out of ACA plans or don’t qualify for subsidies
  • Missed Open Enrollment
  • Are between jobs or waiting for other coverage to begin
  • Need flexible, affordable protection without a long-term commitment

Now, with the green light to offer up to a full year of coverage, agents have an unmatched opportunity to serve this growing segment.

How to Capitalize on This Market Shift

This policy change opens the door for agents to seize a major growth opportunity. The return of 12-month STM plans in select states means you can now deliver longer-term coverage that gives clients more stability and fewer gaps in care, something short-term buyers have been asking for. It also provides a strong, transparent alternative for the growing number of consumers who either can’t afford ACA premiums or choose not to enroll in Marketplace coverage.

By stepping in early, you can capture an underserved segment before your competitors catch up, expanding your reach, strengthening client relationships, and boosting your commission potential in one decisive move. And in certain states, consecutive STM plans allow up to 24 or 36 months of seamless coverage through automatic re-applies, offering even more long-term stability for your clients.

The STM Advantage

With multiple plan designs, PPO networks, and benefits that can include office visits, urgent care with waived deductibles, prescriptions, preventive services, and even HSA-compatible options, AHCP’s STM portfolio offers agents flexibility and value.

Key highlights include:

  • Coverage period maximums up to $5 million
  • Renewable and consecutive plan options for multi-year coverage
  • Preferred rate discounts for healthy applicants
  • Next-day effective dates to cover urgent needs

While other agents may still be adjusting to the news, this is your chance to step in early, deliver value, and position yourself as the go-to resource for ACA opt-outs.

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