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Understanding The Benefits of Short-Term Health Insurance
Plans are affordable, at a fraction of the cost of traditional insurance
You can access large doctor networks; most medical professionals accept short-term plans
You can customize your coverage to meet your needs; plan length, deductibles and copayments are flexible, with no commitment
Signing up is easy, and your short-term plan can start tomorrow
You're protected from financial woes if you have a health emergency
You can easily enroll at any time even after open enrollment
Short-term health insurance is not considered minimum essential coverage under the Affordable Care Act. Pre-existing medical conditions are usually not covered by short-term plans. Current federal regulations limit short-term plans to a 364-day period under one certificate of insurance. Some insurers will allow you to apply for up to two additional new certificates of insurance, with each certificate granting another 364 days of coverage at a time. State rules may vary. In DC, NJ, MA, and VT, you may be subject to a tax penalty if you don't have minimum essential coverage.
How Does a Short-Term Plan Work?
Short-term health insurance premiums are often a fraction of major medical insurance premiums. Plans usually include benefits related to inpatient and outpatient hospital care, emergency room visits, surgical services, ambulatory services, and intensive care among other things. If you reach the end of your policy and still need coverage, depending on your state’s laws, you can typically apply for and enroll in a new policy.
Short-Term Health Insurance Is a Popular Alternative
The number of Americans who choose short-term health insurance has doubled over the past 5 years. High Obamacare premiums are driving more people than ever to short-term plans.
Is a Short-Term Plan Right for Me?
A short-term plan is right for you if:
You need to fill a gap between employer coverage and your next job.
It’s cheaper for your to pay the penalty and have short-term medical instead of an Obamacare plan.
You missed Open Enrollment.
Most Popular Questions About Short-Term Health Insurance
Q: Are ACA Essential Health Benefits Covered Under Short-Term Health Insurance?
Short-term health insurance is different from other types of coverage.Read More
Q: Is There Short-Term Insurance That Covers Pre-Existing Conditions?
It’s unlikely that you’ll find short-term insurance that covers pre-existing conditions.Read More
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Most Popular Short-Term Health Insurance Articles
While short term plans provide some level of coverage for essential health benefits, remember that it's only temporary.
Short term health insurance is a quick and affordable option for people looking for some temporary healthcare coverage.
Temporary health insurance plans are all different; the best one aligns with your immediate healthcare needs.