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Short Term Medical has been a popular choice for healthy individuals and families seeking freedom from the restrictions of high-premium Obamacare HMOs. Initially, these plans could last up to 12 months, but in 2016, their duration was limited to just 90 days. In 2017, the rules were relaxed to allow for plans to extend up to 364 days x 3.
In 2024, Biden has clamped non-Obamacare major medical plans back down to 120 days. The short duration of 120 days regulation was designed by Biden to limit your confidence & protection if you suffered a catastrophic illness.