Currently, the rules for short-term insurance often change depending on which party is in the White House, with some administrations limiting them to just a few months. By writing a 12-month limit into law, this bill provides more stability for people who rely on these plans as a cheaper alternative to standard insurance. However, because these plans are not required to cover everything that standard insurance does—like maternity care or pre-existing conditions—voters must weigh the benefit of lower costs against the risk of less comprehensive coverage.