Recent updates to federal guidelines have impacted the availability and duration of Short Term Medical (STM) programs, affecting many Americans who previously relied on them for temporary health care needs. The federal government recently finalized a rule limiting STM programs to a maximum of four months. This change was implemented to address concerns about STM programs being used as long-term solutions instead of temporary stopgaps.
So what does this mean for you? And what alternatives are available for those facing health care gaps between major medical options?
The New Short Term Medical Rule Explained
Previously, STM programs offered durations up to 12 months, with some renewals depending on the state. Now, with the federal rule in effect, STM programs are capped at just four months, drastically limiting flexibility for those in transition — such as job seekers, students, or individuals waiting on employer benefits.
For residents in states with existing STM restrictions, including California, Colorado, New York, New Jersey, Connecticut, and Hawaii, this change only adds to the challenge of finding accessible, short-term health care solutions.
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A Better Way Forward: Faith-Based Alternatives for Short-Term Needs
If you’re looking for a short-term solution that still supports your wellness goals, OneShare Health offers flexible, affordable Health Care Sharing Programs that are a great alternative to STM. These Programs are ideal for:
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Individuals between jobs or waiting for employer-sponsored benefits
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Gig workers, freelancers, or early retirees
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People in good health who need a bridge for several months or up to a year
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Those seeking an option with next-day availability and access to a national network
With options starting as low as $72.99 per month, OneShare Health’s Programs are designed to give you peace of mind during seasons of transition, without the high cost or limitations of STM.
Why Members Choose OneShare Health
As a Christian Health Care Sharing Ministry, OneShare Health provides more than just affordable solutions, it offers community, prayer support, and access to essential features that help Members feel supported, such as:
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24/7 Virtual Urgent Care through the Clever Health Smart Virtual Care App
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Rx discounts through partners like Rx Valet and WellCard Savings
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Access to the First Health® network
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Mental health support and telehealth tools
Most importantly, OneShare Health has already shared over $270 million in medical costs, reflecting the power of faithful community working together.
Looking for a short-term solution that aligns with your values and your budget?
Get started today with OneShare Health. Speak with a specialist to find the right Program for your needs and take the first step toward reliable, faith-based health care sharing.
