Are short term health insurance policies actually illegal or heavily restricted in certain states now for family coverage?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are short term health insurance policies actually illegal or heavily restricted in certain states now for family coverage?
2 real searches · 1 real-search pass
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 state-by-state short-term limited duration health insurance bans restrictions family coverage state laws NAIC KFF Google ↗
CMS short-term limited duration insurance 2024 final rule 2025 2026 duration federal rule status Google ↗
- Examining Short-Term Limited-Duration Health Plans on the Eve of ACA Marketplace Open Enrollment · kff.org
- Short-Term Limited Duration Insurance · idoi.illinois.gov
- Insurance Topics | Short-Term Limited-Duration Health Plans · content.naic.org
- Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage (CMS-9904-F) Fact Sheet · cms.gov
- Statement of U.S. Departments of Labor, Health and Human Services, and the Treasury regarding short-term, limited-duration insurance · dol.gov
- Explore short-term health insurance in Utah · healthinsurance.org
- Utah Admin. Code R590-286-2 - Purpose and Scope | State Regulations | US Law · law.cornell.edu
- Utah Insurance Rules · insurance.utah.gov
- 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
- Short-term Limited Duration FAQ · michigan.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 state-by-state short-term limited duration health insurance bans restrictions family coverage state laws NAIC KFF OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
CMS short-term limited duration insurance 2024 final rule 2025 2026 duration federal rule status OBSERVED | Google ↗ AI Mode ↗ | — | Definition | — | — | 1x of 1 |