People grouped in arrow shape In the past, employers were barred from subsidizing individual market coverage for their employees. (Photo: Shutterstock)

Insurers and health industry analysts are raising red flags about possible rule changes concerning the purchasing of individual or short-term health insurance products. Without proper protections, the industry insiders warn, the change could incentivize employers to switch sicker, more expensive enrollees to the individual market, raising premiums for both consumers and the federal government, which subsidizes many individual plans.

The rule change was posted at the end of October and the time period for comments on the rule ended on Dec. 30. Trump administration officials say the new rule would allow more flexibility for both employers and individuals purchasing insurance.

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