Short-Term Limited Duration Plan

In Michigan, short-term limited duration plans are limited to a coverage period of 185 days out of any 365-day period.

These policies are not required to cover pre-existing conditions, cannot be renewed or extended for more than 185 days, and do not satisfy the requirement to have health insurance. They also do not have to comply with Affordable Care Act protections, including prohibitions on annual or lifetime limits, essential health benefits, protections against rescissions, and cost-sharing limitations.