Short term health is a great option for the following people.

  1. You missed the Affordable Care Act Open Enrollment.
  2. Waiting for benefits to start at a new employer.
  3. Between jobs and need temporary coverage.
  4. Age 64 and you pay a lot of money for your insurance.
  5. On COBRA looking for a lower cost insurance option.

Short term health insurance is an accident and sickness policy. It does not cover preventive medicine and may not cover prescriptions. In addition, it has limited underwriting questions so you’re not guaranteed coverage. The Affordable Care act plans always make for the best option. Last, if you simply want a less expensive plan, this can be a nice alternative.  With the penalty Obamacare enforces, you would still save money purchasing a short term plan.

Short term medical plans do not provide coverage for preexisting conditions. In addition, it does not meet the mandated coverage necessary to avoid penalty under the Affordable Care Act. Expiration or termination of a short term medical plan does not trigger an ACA Special Enrollment opportunity. Last, short term plans have a limited duration and not automatically renewable.

Currently licensed in Arizona, Florida, Indiana, Kentucky, Maryland, Michigan, Ohio (Resident State), Pennsylvania,Tennessee, Texas, Virginia and Washington. For a self service quote with National General, click here.  They provide an option to get 4, 3 month plans consecutively without underwriting each time.