That’s not the president’s pitch, of course. He claims the rule, which would limit the duration of short-term health plans, is necessary to protect unsuspecting Americans from rapacious brokers trying to “sucker” them into purchasing “junk” insurance that doesn’t actually protect them if they get sick.
But short-term plans aren’t junk, nor do they sabotage enrollees. They’re a sensible choice for many consumers. And because they’re considerably less expensive than plans offered through Affordable Care Act (ACA) exchanges, they’re often the only financially viable option for people who’d otherwise go uninsured.