Short Term Health Insurance

Short term health insurance is a solution for people in very good health. Depending on the state in which you reside, plans can be chosen for 1 month up to 3 years. The plans have health questions, and you must qualify to get a plan. 

Ideal Short-Term Solutions:

• You missed the Affordable Care Act Open Enrollment.
• Waiting for benefits to start at a new employer.
• Unemployed and need temporary coverage.
• Near Medicare eligible, healthy, and paying hefty premiums.
• On COBRA looking for a lower cost insurance option.
• You simply refuse Obamacare and you're healthy.

Short term health plans DO NOT afford you the same protections that Obamacare plans offer. It’s important to read the limitations & exclusions before making your final decision with this product.  

If you have another policy in place, do not cancel until your new policy is effective and make sure no changes to your health have occurred between application date and effective date. 

If you decide to make a short term plan a long-term solution, it's important that you time the policy correctly so you're eligible for a Marketplace if your health were to change while on this plan. The plans are underwritten, and future eligibility is not guaranteed.