Looking for Short-Term Health Insurance?

Short-term health insurance plans provide you with coverage for a limited period of time. It might be an ideal option for those between jobs or waiting for their health insurance to start. Typically, they offer durations of 30 days to 12 months.

Purchasing short-term health insurance is not considered credible coverage for guaranteed issue health plans known as “HIPAA” plans. HIPAA plans are generally intended for people with pre-existing medical conditions who may have trouble getting health insurance otherwise.

Please consult your advisor about the Health Insurance Portability and Accountability Act (HIPAA). They also do not cover pre-existing conditions. If you have a medical condition, you may want to explore whether you can extend your current coverage.

Employer-sponsored group plans may have extended coverage under a government-regulated option known as COBRA. If you have a serious medical condition, you should seriously consider this option.

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Who Needs Short-Term Health Insurance?

No longer on parent's insurance

Once you turn 26, you can no longer be on your parent’s health insurance plan. If you haven’t figured out exactly the right health insurance yet, a short-term plan could keep you covered until you do.

In between jobs

If you had coverage through your work and were suddenly laid off, then you probably don’t want to buy a long term plan until you get a new job. Short-term health insurance can cover you until then.

Missed Open Enrollment

If you missed open enrollment and don’t qualify for a special enrollment occasion to get health insurance, short-term health insurance can save you from paying the fine for being without health insurance.

Waiting for ACA Coverage to Begin

If you have bought a health insurance plan but the coverage doesn’t start until the first of January, then a short-term health insurance plan could be what you need in the meantime.

Just Out of School

Job hunting for recent college graduates can take a long time. Some get jobs right away while others it takes years. Short-term health insurance can keep you covered until you find the right job.

Waiting for Benefits at a New Job

Even when you do get a job with health benefits, it generally takes three months for those health benefits to kick in. A short-term health insurance plan can protect you during that waiting period.

Waiting for Medicare

A Medicare plan won’t be in effect until you turn 65, so if your current plan expires but you’re not yet 65, a short-term plan can be just what you need to keep you covered.

Losing Coverage from a Divorce

Some people are on their spouse’s health insurance plans, so in the event of a divorce, one of them would be out of health insurance coverage. A short-term plan can protect you until you find a long-term plan or get covered through your work.

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