How do short-term health insurance plans handle preexisting conditions under the most recent federal guidelines?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do short-term health insurance plans handle preexisting conditions under the most recent federal guidelines?
2 real searches · 1 real-search pass
2026 federal short-term limited-duration health insurance preexisting conditions latest rule October 2026 CMS DOLGoogle ↗
OBSERVEDConsequence
short-term limited duration insurance 2024 final rule preexisting conditions medical underwriting exclusions current federal requirements 2025 2026Google ↗
OBSERVEDDefinition
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 preexisting conditions latest rule October 2026 CMS DOL Google ↗
short-term limited duration insurance 2024 final rule preexisting conditions medical underwriting exclusions current federal requirements 2025 2026 Google ↗
- Federal Register, Volume 89 Issue 65 (Wednesday, April 3, 2024) · govinfo.gov
- 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
- reginfo.gov · reginfo.gov
- Insurance Topics | Short-Term Limited-Duration Health Plans · content.naic.org
- 42 U.S.C. § 300gg–3: Prohibition of preexisting condition exclusions or other discrimination based on health status · uscode.house.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
- 2026 Texas Health Coverage Guide · tdi.texas.gov
- Shopping for other ways to get a health plan? Choose wisely · tdi.texas.gov
- HealthCare.gov · healthcare.gov
- Federal preexisting-condition protections · healthcare.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 preexisting conditions latest rule October 2026 CMS DOL OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
short-term limited duration insurance 2024 final rule preexisting conditions medical underwriting exclusions current federal requirements 2025 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Definition | — | — | 1x of 1 |