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.
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 ===> San Jose Mercury News 4.18.2014
Instant Quotes & Enrollment
Petersen – Short Term * Brochure * Quotes, Details & ONLINE Enrollment
Unfortunately due to the political and regulatory climate, Petersen International Underwriters (PIU) will no longer be offering new STM enrollments after 2/28/2018. All new customers must enroll on or before 2/28/2018 with an effective date no later than 3/1/2018. Your agent link for the STM will no longer be active after 2/28/2018.
The better news is that in force policies will not be affected. Existing policy holders can continue to reapply for coverage up to 11 months in aggregate from the Retro Date (3 month maximum term per policy).
Quotes & Enrollment through Insubuy.com
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
Comparing the costs of short term plans – Insure Me Kevin.com
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.
| Trump Executive Order – Short Term Insurance
Trump Executive Order 10.12.2017
- Broker ONLY – HCC
- Is it Ethical to buy or sell plans that don’t Meet ACA Obamacare Requirements – Mandate Penalty?
- Mr. Mip – Major Risk Medical Insurance Plan – CA State High Risk Pool
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?
Direct ONLINE Enrollment, Quotes & Information through our HCC Affiliate Link Authorized Agent # 22024080
Note that Mr. Mip below does qualify as minimum essential coverage and meets the mandate.