Find the Best Temporary Health Insurance Option

Temporary health insurance is a perfect solution for individuals needing insurance in the short term, whether they are uninsured, unemployed, self-employed or just need an affordable insurance product that fits their monthly budget. Compare plans and pricing, and find the best option.

IHC Temporary Plans  –  Get quotes & enroll
No longer available in CA

Loss of Short-Term Insurance

Short-term limited duration insurance plans will be banned in California beginning January 1, 2019.  Some carriers have decided to stop selling these plans now, while other carriers will continue to sell new policies through December 31, 2018. Covered California will allow a Special Enrollment Period (SEP) for consumers who will be affected by this ban.


Consumers affected by the short-term insurance ban will have 60 days following the last day of their short-term coverage to enroll in a Covered California health plan. 


Please Note: The last lawful short-term plan in California will expire on March 31, 2019, therefore the last possible day to enroll in a Covered California health plan for consumers affected by this ban will be May 30, 2019.    Excerpt of 10.10.2018 Covered CA Agent Bulletin


See our page on Trumps Expansion and on the other hand CA’s SB 910 to outlaw all temporary plans.

If you are NOT subject to the ACA mandate, you can get a foreign travel policy.

We are concerned though with the limits of $1k/day in the hospital, as opposed to Reasonable & Customary or negotiated Rates.

Short Term Policies can be used when you are waiting for Open Enrollment into Obamacare and don’t qualify for Special Enrollment with a qualifying event,  Medicare, EmployER Group Insurance, Maximum 3 Months – can be renewed.

Learn More ===> CHCF 4.2018 article that I was interviewed, but not cited for  *  San Jose Mercury News 4.18.2014

Please note that these plans probably do not meet the 10 Essential Benefits requirements or MEC Minimum Essential Coverage  to avoid the mandate penalty.

Quotes & Enrollment through

Key Provisions & Caveats

Pre-Existing Conditions     generally     are NOT covered

If one selected a Bronze Plan… and now wants better benefits – Can they get a Temporary Plan to boost the benefits???

Learn more  ⇒ Dual Coverage – Co-Ordination of Benefits Web Page

Short Term plans might cause you to lose  HIPAA or COBRA benefits.

Comparing the costs of short term plans  – Insure Me

Coverage is limited to three months, Plans do not meet the requirements 10 essential benefits of the Health Care Reform mandate and you may be assessed the 2.5% penalty for the months that you didn’t have qualifying coverage.

HHS is also concerned about adverse selection, *  NAIC 16 page pdf. *  CMS Fact Sheet 6.8.2016  * Benefits *

Insubuy – Temporary Plans & Travel Plans  USA coverage available if you are NOT subject to ACA



Related Pages in the Open Enrollment and Trigger Sections


6 comments on “Short Term – Temporary Plans – To hold you to Open Enrollment if you don’t qualify for Special Enrollment

  1. I am wondering if you have recommended short term insurance for the people missed Covered CA open enrollment?

    or is there something else you could recomend for those people?

  2. Yesterday when I went to my doctor at Kaiser Permanente I was informed that my insurance had been cancelled. It was necessary that I see my doctor, so I agreed to pay $150 for the office visit. After which I went right over to member services. They confirmed my insurance had been called for a shorting of my premium for January of $36. I knew of the rate increase, when I paid on line it slipped my mind I paid the normal premium. I offered to pay the $36, but was told I had to call the sales department which I did, they informed me missed the open enrollment period, and they wouldn’t help me.

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