A new report from Kleimann Communication Group, commissioned by a group of consumer representatives to the National Association of Insurance Commissioners (NAIC), shows that consumers face significant challenges in understanding short-term plan coverage benefits and limitations. This lack of understanding—especially when coupled with insurers’ aggressive marketing of short-term plans— raises concerns that some consumers are inadvertently enrolling in short-term plans when doing so may not be appropriate for their health needs or financial situation.