A final rulemaking issued Wednesday reverses an Obama-era regulation that exposed the sick to medical underwriting. The new rule will expand consumer protections for the sick, cover up to two million uninsured people, reduce premiums for millions more, protect conscience rights, and make Obamacare's costs more transparent. And unlike President Barack Obama's implementation of his signature healthcare legislation, it works within the confines of the law.

Federal law exempts "short-term, limited duration" health insurance from having to carry the unwanted coverage and hidden taxes Obamacare requires. Many consumers have understandably taken refuge from soaring Obamacare premiums in short-term plans.

Hoping to force those consumers into Obamacare plans, the Obama administration sabotaged short-term plans by stripping them of crucial consumer protections. It cut the maximum plan term from 12 months to three months, and forbade issuers from offering "renewal guarantees" that allow the sick to continue purchasing short-term policies at healthy-person rates. State insurance regulators protested that these restrictions literally stripped sick patients of their coverage.