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Short Term Health Insurance

short term health insurance provides coverage in case of a medical emergencyShort-term health insurance is designed to provide individuals who do not have comprehensive medical coverage due to a recent job loss, are traveling out of the country and recent graduates, to name a few, with temporary medical coverage for a period of less than one year. It is intended to provide limited medical benefits until an individual is able to enroll in a qualified major medical health insurance plan.

 

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Coverage options and limitations vary by state. It is important to note that temporary health plans do not meet the requirements of the Affordable Care Act and covered individuals will still be responsible for tax penalties unless they have requested and have been granted an exemption. Before enrolling in a temporary health plan, individuals should check to see if they qualify for a catastrophic health plan in the Marketplace.

While temporary health plans may provide coverage in case of a catastrophic illness, they often do not provide coverage for substance abuse, maternity care, mental illness treatment, and preventative care. They have lower monthly premiums, but deductibles and out-of-pocket costs are higher. If you are considering short-term health insurance, it is important to weigh the pros and cons and choose the plan that best meets your needs.

Pros

  • Low monthly premiums with coverage options ranging from one to twelve months.
  • Easy application process and most applicants are accepted quickly.
  • Provides hospital and surgical benefits as defined in the plan.
  • In most cases, enrollees will be able to keep their current physician.

Cons

  • Pre-existing conditions are not covered.
  • Most plans have a maximum lifetime benefit.
  • Does not meet minimum coverage requirements of the Affordable Care Act.
  • Plans are not renewable; but you can enroll in a new temporary plan.

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