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Short Term Health Insurance

Bridge the gaps in health insurance coverage

Short term health insurance plan is a flexible health insurance coverage solution when you require coverage for a period of transition in your life.

Short Term Insurance for Me?

Short term health insurance plans may be for you if you are:

• Unable to apply for Affordable Care Act (ACA), also known as Obamacare, coverage since you missed Open Enrollment and you don’t qualify for Special Enrollment
• Waiting for your ACA coverage to begin
• Looking for a plan to bridge you to Medicare
• Turning 26 and coming off your parent’s health insurance
• Between jobs or waiting for benefits to start at your new job
• Healthyand below the age of 65

For these circumstances and many others, Short term health insurance, also called temporary health insurance or Term health insurance, might be appropriate for you. It can fill that gap in coverage until you can select a longer-term solution.

The Advantages of Short-Term Health Insurance

Short term health insurance provides you just the kind of flexible, fast coverage you want for those dynamic times of change in your life. With the best short-term health insurance plans, you can:

• Get insured fast, as soon as the day after application
• Pick your deductible amount from several choices
• Pick your length of coverage, 1 to closely 12 months in some states
• Drop coverage with no penalty if a more permanent health insurance choice comes along
• You may be able to apply for another best short-term health insurance when the first one finishes if required
• Access a broad network of healthcare specialists, with 1.4 million physicians and other health care professionals and approximately 6,500 hospitals and other facilities
• Get typically lower premiums than with ACA health insurance plans

Keep These Short-Term Insurance Reminders in Your Long-Term Memory

With the best short-term health insurance 2020, you are not purchasing an ACA health plan. That means you require to keep a few things in mind as you plan your coverage needs:

• ACA health plans are guaranteed issue, meaning you cannot be denied coverage due to preexisting conditions
• Short term insurance plans are not guaranteed issue, don’t cover preexisting circumstances, and you must answer a series of medical questions to apply for coverage
• ACA health plans are required to cover ten essential health benefits, as well as maternity and newborn care, mental health, and substance abuse disorder services
• Short term insurance plans do not have coverage needs, so plans differ in what they cover. Check your health insurance coverage details carefully

So, it’s true that you may save money by selecting short term health insurance plans in 2020. Just be sure you know what you are purchasing, and that it’s a good option for you. Short-term insurance plans can definitely offer fast, flexible, temporary health insurance coverage that fits your requirements for the right situation.

Resources and References:

• The Affordable Care Act
• Ten Essential Benefits