Short-term health insurance is an important option for many people. Also called temporary insurance, this is meant to help Americans who are currently without health insurance—guaranteeing coverage for a month to a year—in case of a major medical event, an unexpected illness, or an accident.
Whether you’re waiting for a new plan to begin or need coverage while you find a more permanent solution, short-term health insurance is the best way to make sure there’s coverage for you and your family.
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Short-term health insurance usually varies between one month to a year. It depends on the state and particular plan.
Depending on the program and state, short term health insurance plans may cover variations of:
These plans are designed to cover sudden illness or injury.
However, regardless of the type of plan or state, short-term medical insurance doesn’t cover pre-existing conditions. Those with a complex health history should apply for Obamacare (ACA) Insurance plans, which guarantee acceptance—but will be more expensive.
It depends on your state. Some states let you renew a short-term plan for up to 36 months without reapplying. Other states will not allow you to renew short-term plans.
In a few states, you’re unable to buy consecutive short-term policies with the same insurance company.
These plans are not available through Healthcare.gov. Instead, you’ll need to buy short-term health insurance directly from an insurance company or through a private entity like North American Health Plans.
If you’re healthy and between the ages of 18 and 65, you will probably qualify for short-term coverage. It’s a great option for those who:
Life is unpredictable and things can get a little crazy. So if you wind up without health insurance but need coverage right away, temporary coverage is your best solution. It secures healthcare for you, and you won’t have to pay high premiums.
Finding the right plan for you, your family, and your budget can be a challenge. We’re here to help! Give us a call for more information.