December 20, 2019

The Washington State Office of the Insurance Commissioner released a bulletin on Oct. 30th 2018, announcing a new rule around Short Term Limited Duration (STLD) medical plans. LifeMap's Short Term Medical (STM) plan is subject to this rule, which went into effect Nov. 16, 2018, and targets policies beginning Jan. 1, 2019, and later.

Part of the new rule includes Washington STM policy sales with a January 1st effective date, during the Affordable Care Act Annual Enrollment. In accordance with this rule, LifeMap was not authorized to sell STM Plans for Washington with an effective date in the month of January, during the ACA Annual Enrollment period of November 1, 2019 through December 15, 2019.

On December 16, 2019, a bulletin was published by the Washington Health Benefit Exchange announcing that it will provide additional time for customers purchasing 2020 health insurance coverage that would start February 1st. This extension will give those still needing health insurance until Dec. 30 at 8 p.m. to secure coverage.

Due to these restrictions, and the extension of the ACA Annual Enrollment period, LifeMap must suspend sales of our Individual STM plans with effective dates in February in the state of Washington until the extended ACA open enrollment period has ended on December 30th.

For Washington clients, any application received postmarked or submitted online via broker link or from December 16, 2019, through December 30, 2019, with a requested February 2020 effective date will not be accepted. Applications submitted online via broker link or or received postmarked on 12/31/19 or after with a requested February 2020 effective date, will be accepted.

It is LifeMap's mission to provide financial protection to customers through all of life’s transitions. We truly believe our STM policy provides temporary piece of mind at an affordable rate until a member's ACA coverage begins, can find a new job, or qualify for more permanent and comprehensive coverage.

If you have questions, please contact our Customer Service team M-F, 8am-5pm PT at 1 (800) 756-4105 or email