Short Term Health Insurance Plans for Individuals & Families

Secure Short Term Health Insurance Options for Individuals

Why Choose Short Term Health Insurance?
Short term health insurance could be the right choice if you are in good health and find standard health insurance unaffordable. Particularly suitable for those not qualifying for government subsidies under The Affordable Care Act yet needing temporary coverage, these plans offer a practical solution.

Coverage Beyond Open Enrollment
Standard insurance plans require sign-up during an open enrollment period. Missing this window usually means waiting until the next year. Short term plans, however, can bridge this gap by offering up to eleven months of coverage, ensuring you continue receiving essential healthcare services without interruption.

Insurance During Employment Probation
Often, there's a waiting period before new job benefits kick in, leaving you without coverage for months. Short term health insurance fills this gap until your employer-sponsored plan becomes active, ensuring you remain covered with options to customize deductibles and coverage levels similar to traditional plans.

Maintaining Coverage Between Jobs
Planning a job change? Secure a short term health plan to maintain uninterrupted health coverage during the transition. This strategy ensures continuous access to healthcare, tailored to your interim needs.

Health Insurance for Early Retirement
If early retirement is on the horizon and you're ineligible for age-based health plans, short term insurance can provide the necessary coverage as you plan your retirement finances.

Financial Benefits and Considerations
As of January 1, 2019, the tax penalty for not having health insurance has been eliminated. This change means no penalties for 2020 on your taxes filed in 2021. However, lacking insurance could lead to high out-of-pocket health care costs. Short term plans are a viable solution for those needing affordable options without subsidies.