Short Term Health Insurance Explained

You just graduated college. Or you just decided to change careers. Or you simply don’t have a health plan — but you expect to get one sooner or later.

Whatever your reason for being without health coverage, there’s an easy solution: short-term health insurance.

Get free quotes on short-term health plans…

* First Name: * Last Name: * Address: * City: * State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming * Zip: * Phone:      * Email:   Gender* Date of birth*   Height*  Weight* Smoker* Applicant M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Spouse -- M F / / Ft 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children 0 1 2 3 4 5 6 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Currently Insured? Yes   No Have conditions? Yes   No HIV/AIDS Diabetes Cancer Heart attack High blood pressure Asthma Stroke Depression requiring medication Other major illness

Why Get A Short Term Plan?

It’s tempting to go without health insurance. After all, who wants another bill to pay? And you’ll find a job that offers health insurance eventually, right?

The problem is, you could suddenly get sick — or be involved in a serious accident. These kinds of things happen all the time, to people from every walk of life. And if you don’t have insurance when it happens, you could be stuck with a lifetime of medical debt.

Fortunately, a short term plan is affordable. In fact, it’s usually much cheaper than buying a permanent individual health plan . Why? Because it usually isn’t renewable.

Many permanent plans are guaranteed renewable, meaning that once you’re accepted into a plan it’s yours to keep. Your premiums might go up, but you won’t lose your coverage. Short term insurance isn’t renewable. So an insurance company’s risk that they’ll be paying a lifetime of expensive medical claims is nonexistent. Low risk is music to the ears of insurance companies. And it means lower premiums for you.

2 Kinds Of Short Term Plans

In general, you’ll find two kinds of short term health plans.

• Upfront payment. With these plans you decide how long you want coverage for, and pay for it all upfront.
• Pay-as-you-go. With these plans you pay on a monthly basis. You can usually keep these plans in effect for up to a year.

Want to find a short term plan of your own? Talk with our network of agents. Fill out an easy online form, and you’ll be contacted with free quotes.