Short term health insurance, also called temporary or term health insurance, offers coverage for a specific period of time. Depending on your policy and your state, that time frame can be up to 364 days and be renewable for up to 36 months.
If you are between jobs (or if insurance for your new job does not take effect right away), if you missed Open Enrollment, if you are waiting to be approved for Medicare coverage, or if you simply cannot afford regular health insurance, a short term health insurance plan can give you peace of mind and protect you against unexpected medical costs that sudden illness or injury could incur.
Here’s why it might be the best option for you:
You can apply at any time (no Open Enrollment period restrictions)
Coverage goes into effect as early as the next day (or you can choose a later effective date)
You don’t have to change doctors (you can see any qualified healthcare provider you prefer, though some plans may require you to select a PCP as your main point of contact)
Short term plans are much more affordable than ACA (Affordable Care Act) plans and come with no tax penalty (as of 2019)
Americare Quotes has the experience and resources to connect you to a short term insurance policy that meets your individual needs, and we specialize in providing cost-effective, flexible options. Contact us to find a plan that’s right for you!