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Short-term Limited Duration Plans, also known as Junk Health Plans, are a type of insurance that lack meaningful coverage for essential benefits and do not comply with the Affordable Care Act's standards. By using deceptive marketing practices, Junk Health Plans trap patients in low-coverage plans without informing them of coverage disparities compared to traditional insurance. HB 5395 / SB 3739, the Healthcare Consumer Access and Protection Act would fully ban Junk Health Plans in Illinois and protect consumers from plans that leave them dangerously vulnerable to debt in the event of a medical emergency.
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