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Short-Term Medical Insurance Is Flexible & Fast.
We know that you and your family lives can change quickly. Therefore, our short-term medical insurance plans offer you the following flexibility:
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Apply in minutes at any time of the year
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Apply for another time limit if necessary
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Choose the period for which you want coverage (12 months to less than 1 month in some states)
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Leave your coverage without a fine
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Choose from a range of available discount amounts
And in many cases of your short-term medical insurance coverage, the sooner you apply the next day after you start, the sooner you need it, the faster you can take care of that coverage.
Why Choose A Short-Term Medical Plan
If you are any of the following, then temporary health insurance plans may make sense:
A school student, or a college student who discontinues parental insurance
Between jobs, waiting for benefits to start a new job, or a temporary option for COBRA insurance is required
Without health insurance, open enrollment is missing and you are not eligible for special enrollment or you are waiting for your Affordable Care Act (ACA) coverage to begin
Under 65 and in good health, or waiting for Medicare
Losing coverage after a divorce
Cost Advantages Of Short-Term Medical Plans
In general, short-term health insurance premiums are much lower than ACA plans. For some, it is an important factor in choosing what is affordable health insurance for them. But the premium should not just be considered a cost.
With the ACA plan, you may be eligible for a tax credit or subsidy, for which a short-term health insurance plan is not eligible. It's not known about the cheap health insurance ACA plan, but it does take the cost of planning very close to your budget.
Since a short-term insurance plan is not required to include the 10 essential health benefits defined in the ACA, you can opt for a less expensive plan that offers less coverage.
Other Cost Advantages Of Short-Term Medical Plans
The ACA plan applies pre-existing terms, but with a short-term plan, you should expect to pay the costs associated with pre-existing terms without coverage.
Visit the Short-Term Insurance Expenses page to learn more.
You do not need to purchase a health insurance plan when using our site. After submitting your application, you can cancel it at any time during the underwriting process. In some cases, an application fee may apply.
The policy includes [waiver] [restrictions] [benefit reduction] [situations where the policy can be issued or withheld]. For coverage costs and full details, call or write to your insurance agent or company [whichever applies].