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h2>Short Term Plans

A Short Term Plan is the best way to get health insurance coverage if you missed either Open Enrollment or if you do not have a Qualifying Life Event outside of Open Enrollment.

So then why get a Short Term Plan? The reason is simple. It is important to NOT have any gaps in medical coverage, especially if the unthinkable happens.

A Short Term Plan will cover you in the event of a serious accident/injury or illness. Paying for this without insurance is nearly impossible for nearly everybody. Short Term Plans of course also cover basic medical services, and if you see the doctor more than a couple of times, the plan would most likely pay for itself.

Short Term Plans, as the name suggests, are meant to be a temporary solution. The length of your coverage can be anywhere from 30 days to a maximum of 12 months. Some carriers offer discounts if you get a plan that is longer in length. Either way, you should ask yourself how long you think you will need a Short Term Plan before you purchase one. You should consider how much time there is until the next Open Enrollment Period or when you think you might have a Qualifying Life Event.

Short Term Plans are sometimes referred to as “Private Insurance” because some of the rules are similar to how health insurance was before the Affordable Care Act. The main one is that you can be denied coverage for preexisting conditions. Also, government subsidies do not apply to Short Term Plans. The good news is that some carriers are less strict and may even specialize in insuring those with preexisting conditions. The plans in general are inexpensive, so the lack of subsidies is not a deal breaker.

Either way, ObamacareUSA.org is connected to virtually every Short Term Plan offered. Start comparing plans now so you can find the best coverage at the lowest rate possible!

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ObamacareUSA.org
700 S. Flower St., Suite 640,
Los Angeles, CA 90017

ObamacareUSA.org is an independent marketplace and is not a federal or state Marketplace website. ObamacareUSA.org does not provide quotes or sell insurance directly to consumers, is not affiliated with any exchange, and is not a licensed insurance agent or broker. Accordingly, you should not send us (via mail or email) any sensitive information, including personal health information or applications. Any such communications will not be treated as confidential and will be discarded, as, in offering this website, we are required to comply with the standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website or go to the Health Insurance Marketplace website at www.HealthCare.gov

Advertised Pricing:

There are several factors that impact your monthly premium; including, but not limited to your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, this result is subject to change.