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Short Term Health Insurance

Short term health insurance is a great way for people to fill gaps in insurance coverage without sacrificing healthcare services. In some cases, you can get coverage as soon as tomorrow and can cancel after 30 days without a termination penalty. Plus, short term plans offer a range of deductibles making it easy to find the right benefits at the right price.

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Short Term Health Insurance

Major medical insurance isn't always an option for some.

If you've missed the deadline for open enrollment, for example, or you just can't afford the premiums and deductibles that come with a traditional health insurance policy, then short term coverage might be a good alternative for you. As the name implies, short term health insurance – abbreviated to STHPs for short-term health plans – is temporary medical coverage. These plans are for people in transition, whether you've changed jobs and need something to fill the gap between employer-sponsored coverage, you've just graduated college or been dropped from your parents' plan, or you've retired early but don't qualify for Medicare yet.

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Before 2016, STHPs could last from 30 days to a full year in some states, but that has since changed. Now, short term health policies run from 30 days to under three months. They cover limited benefits, don't cover pre-existing conditions and aren't guaranteed-issue or renewable. Unlike major medical policies, STHPs include maximum lifetime payout limits, and you must meet a deductible before the insurer will pay its portion.

Despite some obvious drawbacks, short term health insurance makes sense for certain people. Premiums are much lower for STHPs than for major medical policies, they cover a variety of benefits depending on the plan you choose, and they provide an option if you don't have major medical insurance. Combined with other policies, like standalone critical illness, short term medical plans can be part of your insurance package.

This coverage is not required to comply with federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.

Also, this coverage is not "minimum essential coverage". If you don't have minimum essential coverage for any month in 2018, you may have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month.

This Website is not associated with Healthcare.gov. ShortTermHealthInsurance.com is not a licensed agent or broker and cannot write insurance policies. ShortTermHealthInsurance.com connects consumers to industry trusted carriers to complete the enrollment process.