Petersen Short Term Brochure
Petersen Short Term Brochure

Petersen – Online Quote, Plan Details & Enrollment

Insubuy – Temporary Plans & Travel Plans

Temporary – short term coverage

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 ===>  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.

Instant Quotes & Enrollment

Petersen – Short Term * Brochure * Quotes, Details & ONLINE Enrollment

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 *

Trump Executive Order 10.12.2017

The order directs the Departments of the Treasury, Labor, and Health and Human Services to consider expanding coverage through low cost short-term limited duration insurance (STLDI).

o STLDI is not subject to costly Obamacare mandates and rules. One study found that on average STLDI costs one-third the price of the cheapest Obamacare plans.

o Despite its low cost, STLDI typically features broad provider networks and high coverage limits.

o The main groups who benefit from STLDI are people between jobs, people in counties with only a single insurer offering exchange plans, people with limited coverage networks, and people who missed the open enrollment period but still want insurance.  WhiteHouse.Gov  *

Related Pages in the Open Enrollment and Trigger Sections


What happens if you missed Open Enrollment – don’t qualify for special enrollment – qualifying event, or are concerned about not being able to get coverage for SIX weeks, as you did not apply by the 15th of the month?

How about trying a Temporary plan, an International Plan or see if you qualify for a Special Enrollment?

Direct ONLINE Enrollment, Quotes & Information through our HCC Affiliate Link   Authorized Agent # 22024080

More documents from HCC  Their webpage on Temporary Plans – Do NOT enroll there, use our affliate link above.

Note that Mr. Mip below does qualify as minimum essential coverage and meets the mandate.

5 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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