Westbank Louisiana News

U.S. Senators Bill Cassidy and Mike Braun have strongly criticized the Biden administration's proposed rule that would limit patients' access to short-term and supplemental insurance coverage, ultimately raising the cost of health care for Americans. In a joint statement, the senators expressed their concerns about the potential consequences of the new policy.

"STLDI and fixed indemnity plans provide important options to help patients facing such high health care costs obtain essential medical care," wrote Senators Cassidy and Braun. "Perplexingly, the administration seems intent on eliminating these options for patients, forcing individuals and families into plans that are more expensive and less tailored to their needs."

The proposed rule would impact Short-Term Limited Duration Insurance (STLDI) plans, which offer coverage for specific periods when individuals are between health insurance plans. The Biden administration's proposal would limit the duration of short-term insurance to four months, significantly reducing the flexibility and affordability that these plans offer.

Additionally, the rule would make it harder for Americans to access fixed indemnity plans, which provide supplemental coverage for medical expenses not covered by primary insurance. The senators highlighted that such restrictions could particularly harm individuals facing unexpected medical emergencies or critical diagnoses.

The senators also raised concerns about the impact of the proposed rule on health care costs for Americans, citing record-high insurance expenses under the current administration. They emphasized that the policy change could lead to increased financial burdens and limited choices for individuals seeking insurance that best suits their needs.

The proposed changes have sparked criticism not only for their potential effect on patients but also for the administration's alleged departure from President Biden's previous promises regarding health care coverage. The senators pointed out that the proposed rule contradicts assurances made by the President during his campaign, potentially leaving many individuals without the coverage they rely on.

In their letter to Secretary Becerra, Secretary Yellen, and Acting Secretary Su, the senators called for a reconsideration of the proposed rule, urging the Departments to carefully assess the full implications of the policy change before finalizing it. They also posed a series of detailed questions seeking clarity on the potential impacts of the rule on insurance coverage, premiums, and patient outcomes.

The senators' strong stance against the proposed rule reflects broader concerns within the Republican party about the affordability and accessibility of health care under the current administration. The debate surrounding the rule highlights the ongoing challenges in balancing cost-effective health care options with comprehensive coverage for all Americans.