CMS Boosts Flexibility for Short-Term Medical Coverage

Great news! On August 7, 2025, the Centers for Medicare & Medicaid Services (CMS) announced it will not enforce the 2024 STM duration limits while reviewing rules—opening the door for states to allow short-term medical plans lasting up to 12 months and renewable for up to 3 years.

This update means more choices for consumers who need temporary, budget-friendly coverage during life transitions—and more opportunities for agents to deliver high-value, flexible solutions.

Here’s what this means for you:
✔ Expanded coverage options for your clients
✔ Increased retention and lifetime value per policy
✔ Rising demand from clients seeking flexible coverage

Fill out the form to request information on the top STM Plan in your area.

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The information on this site is for licensed insurance agents and brokers only. If you are not an insurance professional, please do not rely on this information. Instead, refer questions to a licensed insurance professional. This material has been prepared for informational purposes only and should not be relied upon for accounting, legal, tax or investment advice. Some programs are not available in all states.  Agents contracted with insurance companies through Western Marketing are independent agents and are not employees of Western Marketing.  We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.