What are the current federal short term health insurance limits and do they provide enough protection for my healthy young crew?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the current federal short term health insurance limits and do they provide enough protection for my healthy young crew?
2 real searches · 1 real-search pass
2026 federal short-term limited-duration health insurance current duration limit 3 months 4 months rule status 2025 2026 CMSGoogle ↗
OBSERVEDOther / navigational
short-term limited duration insurance federal 2024 final rule status litigation 2026 employer crew coverage ACA protectionsGoogle ↗
OBSERVEDComparison
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
2026 federal short-term limited-duration health insurance current duration limit 3 months 4 months rule status 2025 2026 CMS Google ↗
short-term limited duration insurance federal 2024 final rule status litigation 2026 employer crew coverage ACA protections Google ↗
- Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage (CMS-9904-F) Fact Sheet · cms.gov
- Federal Register, Volume 89 Issue 65 (Wednesday, April 3, 2024) · govinfo.gov
- Statement of U.S. Departments of Labor, Health and Human Services, and the Treasury regarding short-term, limited-duration insurance · dol.gov
- EO Reviews Search · reginfo.gov
- reginfo.gov · reginfo.gov
- How to shop for health insurance · ag.ny.gov
- Insurance Circular Letter No. 7 (2018): Prohibition on Short-Term Limited Duration Plans · dfs.ny.gov
- Insurance Topics | Short-Term Limited-Duration Health Plans · content.naic.org
- I notice "short-term limited-duration" insurance plans for sale outside of the Marketplace, and they are cheaper than many other health plans. What is a short-term limited-duration health plan? · kff.org
- Employers · irs.gov
- Employer shared responsibility provisions · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 federal short-term limited-duration health insurance current duration limit 3 months 4 months rule status 2025 2026 CMS OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
short-term limited duration insurance federal 2024 final rule status litigation 2026 employer crew coverage ACA protections OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |