Guide to Short Term Health Insurance.

· 3 min read
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Life is full of unexpected events we can't control and when it comes to Health issues we have to be prepared. That's why short term Health insurance was put in place to help you during those moments in life. Short term health insurance was designed to cover you thru out a short period of time and it can be somewhere in between 30 to 180 days or even up to 12 months in many states. Short Term health insurance has many benefits and the cost of premiums is significantly lower than major medical coverage.

This guide will answer all your questions about short term health insurance to help you make a decision, So read on.

So what States forbid the sale of short-term health insurance plans?

Some states have regulations that restrict short term plans beyond the federal rules. For example, Maryland only allows short-term plans for three months with no renewals.

Here are the states that forbid the sale of short-term health insurance:

  • California
  • Hawaii
  • Massachusetts
  • New Jersey
  • New York

What are the facts about short term health insurance?

Like any other health insurance plan, short term health insurance has advantages and disadvantages. But is important to know what makes short term insurance a way to go for most situations.

  • Availability for a year with up to two renewals.
  • Lower premiums
  • A lot cheaper than COBRA or individual insurance.
  • Limited Coverage
  • Better than being uninsured and avoid paying the tax penalty
  • Possible caps on coverage.
  • Doesn't require basic coverage
  • High out of pocket cost

What to know when buying short term health insurance?

Federal regulations allow short term plan to create their own coverage plans without any required mandates like a regular health insurance plan. So you may find a short term health insurance plan not covering your needs.

  • Read fine print exclusions
  • Compare cost
  • Compare benefits
  • Compare health plan networks.

How to get short term health insurance?

Ready to make your decision or have more questions. You can compare plans with ehealth. You can also get on the phone with a licensed agent, and your coverage can begin as soon as the next day.