What are the actual financial penalties or coverage gaps if I switch my household to short term health insurance limits that cap out after just a few months?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the actual financial penalties or coverage gaps if I switch my household to short term health insurance limits that cap out after just a few months?
4 real searches · 1 real-search pass
New York State short-term limited duration health insurance prohibited 2026 official DFSGoogle ↗
OBSERVEDYes / no
2026 federal short-term limited duration insurance rule 3 months 4 months official CMSGoogle ↗
OBSERVEDOther / navigational
New York individual health insurance mandate penalty uninsured 2026Google ↗
OBSERVEDConsequence
ACA essential health benefits short term health insurance coverage exclusions preexisting conditions officialGoogle ↗
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 (4)
Classes come from the query-classifier (a local Laya model). 3 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
New York State short-term limited duration health insurance prohibited 2026 official DFS Google ↗
2026 federal short-term limited duration insurance rule 3 months 4 months official CMS Google ↗
New York individual health insurance mandate penalty uninsured 2026 Google ↗
ACA essential health benefits short term health insurance coverage exclusions preexisting conditions official Google ↗
- I’m uninsured. Am I required to get health insurance? · kff.org
- Individuals · nyc.gov
- Insurance Topics | Short-Term Limited-Duration Health Plans · content.naic.org
- Understanding Short-Term Limited Duration Health Insurance · kff.org
- Short-Term Health Insurance: Explore Affordable Coverage Options · healthinsurance.org
- Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage (CMS-9904-F) Fact Sheet · cms.gov
- reginfo.gov · reginfo.gov
- Insurance Circular Letter No. 7 (2018): Prohibition on Short-Term Limited Duration Plans · dfs.ny.gov
- Availability of short-term health insurance in New York · healthinsurance.org
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
New York State short-term limited duration health insurance prohibited 2026 official DFS OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
2026 federal short-term limited duration insurance rule 3 months 4 months official CMS OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
New York individual health insurance mandate penalty uninsured 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
ACA essential health benefits short term health insurance coverage exclusions preexisting conditions official OBSERVED | Google ↗ AI Mode ↗ | — | Definition | — | — | 1x of 1 |