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NAMI Joins Lawsuit Against the Short-Term, Limited-Duration Plan Final Rule

Today, NAMI joined a lawsuit filed this morning in the U.S. District Court for the District of Columbia to overturn the Administration’s recently-issued rule on short-term, limited-duration (STLD) insurance plans. The lead plaintiff is the Association for Community Affiliated Plans, joined by NAMI and the following organizations: AIDS United, American Psychiatric Association, Little Lobbyists, Mental Health America and National Partnership for Women & Families.

The new STLD rule dealt a blow to mental health parity by allowing for an expansion of health insurance plans that are not required to cover people with pre-existing conditions or provide coverage for mental health services. (Learn more about short term limited duration plans from Kaiser Family Foundation.)

These plans are permitted to:

  • Deny coverage for any pre-existing condition like mental illness;
  • Charge higher premiums for people with a history of mental health conditions; and
  • Not cover mental health and substance use disorder treatment.

In addition, these plans are likely to attract younger and healthier individuals, many of whom will be left without the coverage they need in a mental health crisis or if they develop a mental health condition.

These short-term, limited duration plans will also result in higher premiums for comprehensive health insurance plans that provide parity mental health coverage and that don’t exclude people with pre-existing conditions.

All of the plaintiffs issued a joint press release this morning. The story was broken by the LA Times in their article, “Patient advocates, healthcare groups sue Trump administration to preserve insurance protections.” 

If you would like to tweet out information on this suit, please feel free to link to NAMI’s news item on the lawsuit.

Follow us on Twitter at @NAMIAdvocacy for updates.

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