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.
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.
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.
- 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
- Short Term Plans – Legal Battles – Trump vs CA