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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Disclaimer:

ObamacareUSA.org is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at https://www.quotelab.com/licenses.html.

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

Third Party Material (TPMO) (Medicare.gov): We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on ObamacareUSA.org are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Advertised Pricing:

There are several factors that impact your monthly premium; including 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, the resulting premium and subsidy calculations may be subject to change.