Short Term Health Insurance Short Term health insurance, sometimes
called Term health insurance or Temporary health insurance, is
designed to help bridge gaps in your health care coverage during
times of transition.2 And if you’ll pardon the pun, you’ll find no
shortage” of information online telling you what Short Term Medical
insurance isn’t or what it can’t do for you.
But for many people, and for many situations, the best Short Term
health insurance plan they can find may just be the right solution.
Explore Your Options Plan design and availability vary by state.
Find out which ones are available where you live. Want to learn
more about Short Term Health Insurance? Short Term Insurance FAQs
Short Term Insurance Costs Fast Quote and Application Get quotes in
seconds, apply in just minutes Budget-Friendly Plans Choose options
to save more Next Day Coverage Apply today for coverage tomorrow in
many cases Available Year Round No waiting to apply Short Term
Insurance Is Flexible and Fast We know that the life of you and
your family can change quickly.
That’s why our Short Term Medical insurance plans, underwritten by
Golden Rule Insurance Company, provide you with the following
flexibility: Apply anytime of year in minutes Apply for another
term of coverage if needed3 Select the length of time you want
coverage (1 month to just under 12 months in some states)4 Drop
your coverage without penalty Choose from a range of available
deductible amounts And with your Short Term Medical insurance
coverage starting in many cases as soon as the next day after you
apply, you can get the security of that coverage fast, right when
you need it.
A Long History with Health Insurance for Short Terms Through Golden
Rule Insurance Company, which became part of UnitedHealthcare in
2003, we have been in the personal insurance business more than 75
years and have offered a Short Term insurance product for over 30
years. We’re not new to the industry, and we're not looking to take
advantage of the latest trends in insurance.
Our commitment is to people like you, looking for health insurance
coverage solutions. We offer Short Term health insurance products,
with access to a large provider network, that serve a necessary
purpose for our customers who are between longer term health care
coverage solutions. Need Longer Coverage? TriTerm Medical insurance
is short term insurance that lasts almost 3 years.
The Strength of a Nationwide Network5 Health care professionals in
the network agree to provide quality care at lower fees.
UnitedHealthcare offers one of the largest networks in the U.S.
6,000 Hospitals & Other Medical Facilities 1,300,000 Physicians
& Other Health Care Professionals Temporary health insurance
plans may make sense if you are: A college student, just out of
school, or rolling off your parent’s insurance Between jobs,
waiting for benefits to begin at a new job, or needing a temporary
alternative to COBRA insurance Without health insurance, have
missed Open Enrollment and don't qualify for Special Enrollment, or
you are waiting for your Affordable Care Act (ACA) coverage to
begin Under 65 and in good health, or waiting for Medicare Losing
coverage following a divorce Are there Cost Advantages to a
Short-Term Insurance Plan? In general, a Short-Term health
insurance premium is significantly less than that of an ACA plan.
For some people, this is one of the most important factors in
choosing what’s affordable health insurance to them. But premium
shouldn’t be the only cost consideration. With an ACA plan, you may
be eligible for tax credits or subsidies for which a Short-Term
health insurance plan does not qualify. That won’t make an ACA plan
anyone’s idea of cheap health insurance, but it may move the price
of the plan much closer to your budget.
Since a Short-Term insurance plan isn’t required to include the 10
essential health benefits defined in the ACA, you can choose a less
expensive plan that offers less coverage. An ACA plan covers
preexisting conditions, but with a Short-Term plan, you should
expect to pay the costs related to preexisting conditions without
Visit the Short-Term Insurance Costs page to learn more. What’s the
Difference Between Affordable Health Insurance and Cheap Health
Insurance? The difference may be in understanding what you’re
getting. Short-term health insurance is not ACA insurance. If you
accept the limited benefits and duration of a short-term insurance
plan, then it may be affordable health insurance for you that fits
a temporary insurance need.
If you don’t, it may seem like cheap health insurance that doesn’t
have all the benefits you want. Buying health insurance for short
terms may be the right choice for you right now, but it won’t be
ACA coverage. Be aware of what you are and aren’t getting for the
price. Medical Benefits Covered Short Term Health Insurance Plans
Affordable Care Act Health Insur