Short Term Health Insurance

Short-term health insurance is a great option for people in transition.  Designed for individuals and families who are out of work or in-between jobs, newly hired employees who are waiting for their employer-based health insurance to kick in, recent college graduates and early retirees, short-term policies can provide a safety net for those transitioning from one life event to another.

Short-term health policies typically work like traditional “major medical” insurance, but without as much ongoing coverage.  The benefits of a short-term policy include being able to see any doctor you choose, regardless of whether they are part of a network; monthly premiums are less expensive than traditional health insurance; you are covered the day after you submit your application, meaning there is little to no “underwriting” of your policy; some plans cover preventive care such as mammograms and PAP smears; and all eligible dependents can be covered.

Some of the disadvantages of these policies include a lack of coverage for pre-existing conditions; and most importantly, if you develop a major medical condition after your coverage goes into effect, you may not qualify for another plan after your policy expires.

These policies typically last up to six months and can be renewed for up to 36 months.  But keep in mind that if you develop a serious condition while covered under this plan, your insurer will likely not renew the plan again.  For those concerned about a situation like this, a traditional health insurance policy might be a better fit.  To review traditional individual and family health insurance options, start your free health insurance quote.

For more details on the advantages and disadvantages to short-term health insurance plans, or if you have any questions, please call us at 1-800-771-3739.  To get your free quotes and review plans, enter your zip code and begin.  Happy shopping. 

Visit the InsureMonkey homepage to start a health insurance quote.