On August 29, 2025, the North Carolina Department of Insurance released Bulletin Number 25-B-11 regarding short-term, limited duration (STLD) health insurance policies.
The bulletin advises that North Carolina’s definition of short-term limited duration health insurance policies continues to align with the current federal definition of such policies as currently provided in 45 C.F.R. Section 144.10 and that no STLD product regulated by the Department of Insurance may be offered in North Carolina that does not comply with the standards set by the federal rule that is presently in place.
The bulletin was released in light of an August 7, 2025, statement from the DOL, HHS, and the U.S. Treasury, which announced their intention to start the rulemaking process to revise the current definition of STLDs and indicated that they would not prioritize enforcement actions under the current rule.
Read the full release: Bulletin Number 25-B-11.