We're sure you are aware...
the cost of health insurance has gone through the roof!
For this reason (and many others), many people are turning to short term or interim coverage.
It can be a good move depending on the situation.
Health insurance is never easy so it helps to have it all laid out in front of you.
A simple explanation to make a good decision.
Those are our marching orders!
Here's the result.
The pro's. the con's. Hopefully, the savings!
Let's get started!
It has many names.
interim health coverage
All the same thing.
Basically, it's health insurance designed with these attributes:
Short term coverage is designed to fill in a gap of coverage. It can start as early as midnight following online app submission.
On the current market, you have two types of REAL coveragey.
ACA compliant health plans on and off exchange
Short term health insurance which is medically underwritten
We'll get into how to compare these two plans in Section 4 later.
One important note.
If a person is eligible for an ACA compliant plan, we can compare the ACA plan with the tax credit versus the short term coverage.
We can help with this comparison.
Just run your quote for permanent and short term coverage here.
Keep in mind that short term is not Guaranteed renewable. This means that a policy has a maximum amount of time that it can be active.
It will then cancel and likely require re-applying based on health.
Again, short term is really designed to cover a person during a gap in coverage.
Let's look at the most common uses of Short Term coverage.
Here are the most common scenarios in which we see short term working well:
These are the most common but definitely not the only ones.
We've written an entire article on the uses of short term coverage here but we're happy to help you with your situation.
Basically, short term works when a person needs coverage from a given date to a given date (generally under 12 months depending on the plan).
Everyone's different and we want to make sure to get the most affordable coverage!
Let's simplify the basic rules of short term health coverage
These are the highlights.
Let's address some key issues.
You will need to answer a few health questions to qualify for short term coverage but 80%+ applicants are approved.
These plans are generally meant to cover more catastrophic health care needs.
Let's look at how Short Term compares with ACA plans.
If available, ACA (Affordable Care Act) plans are the real alternative to consider.
It gets a little more complicated but we'll give you the highlights here.
The first question is whether you are eligible to enroll in an ACA plan
Anyone can enroll during this time.
Outside of Open Enrollment, you must have a big life change to enroll.
The most common triggers:
We can help you figure out if you do qualify for a SEP (Special Enrollment Period)
The second question is whether you will qualify for a tax credit.
This is mainly based on income and # of family members
We can quickly size up if you're eligible for a tax credit at 800-320-6269
General tax credit guidelines here:
Here's the net net...
Again, we can run both quotes for you or you can quote both options here:
If you are not eligible to enroll, Short Term may be the only option for actual health insurance
Be careful of aggressively marketed plans that are much cheaper but are not ACA compliant or short term.
They are almost always too good to be true. Ummm...they ARE!
One important note if you are not enroll in an ACA complaint plan (including Covered Ca):
Even with the penalty, many people find the short term plans to be cheaper.
The ACA plans cover more basic benefits than Short Term.
Again, short term is designed for catastrophic coverage.
We go into more detail on the differences in our ACA versus short term articles
Here's the recap of benefits and negatives for short term coverage
Short term has a very defined role and it works great for that role!
This is easy. You can quote Short term coverage instantly and online here.
You'll see all the benefits and rates available to you and even be able to enroll online immediately for the quote page.
You can add dental, vision, and/or life to the short term purchase for a total coverage package and even cancel them separately if need be.
You will be able to quote the ACA plans with tax credit from the same link!
Call us at 800-320-6269 or request your Short Term Health Quote.
Our Services are FREE!
QUOTE and save today
Thousands of Californians
20+ Years EXPERIENCE
Thousands of Californians
20+ Years EXPERIENCE
"a million thank you for your prompt attention to all the details concerning this process. You've made it that much easier to enroll."
"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."
"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."
"I thank you very much for the time that you have invested in handling everything
"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."
"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"
"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"
"You are my new best friend. A HUGE thank you again.
Short term health insurance can be a valuable tool to help protect people during transitional times. Understanding the pro's and con's of short term insurance versus ACA compliant plans is Invaluable
We are Licensed California Agents with 20+ years of experience helping 1000's of California individuals and families.
Call us. you will be pleasantly surprised 800-320-6269
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269