Short Term Health Insurance Quotes
Short Term Health Insurance is designed for individuals who are, for whatever reason, without health coverage for a short period of time—typically only a few months.
What Short Term Health Insurance Is Not
Although the underwriting standards for Short Term Health Insurance are typically more lenient than for Personal Health Insurance, short term coverage typically is far less extensive than that of a regular health plan. Generally, the premiums are also higher, making Short Term Health Insurance a poor choice as a permanent plan.
If you have recently left a job, you may be eligible for the continuation of your group health plan under COBRA. This is not the same as short-term health coverage. Often, however—particularly in situations where your former employer picked up some or all of your health premiums—you may find your COBRA payments to be more than you can afford. In that case, the limited coverage provided by Short Term Health Insurance may be the better solution until you start your next job.
Who Needs Short Term Health Insurance?
In today's world of rising costs, living without some form of major medical coverage is little more than financial Russian roulette. Don't do it.
In cases where you are temporarily without health coverage, or where COBRA payments are excessive, Short Term Health Insurance can be an appropriate stop-gap solution.
Things To Think About
What type of coverage do you need? What is your age? Health characteristics? Short term requirements?
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