Quick results

there’s no waiting around with short-term plans. You’ll often now if you qualify right after your application is complete. Your coverage can begin in less than 24 hours in many cases.

Gaps

a small gap in health coverage is how many individuals fall into a hole they can’t get out of. Short-term plans can cover these gaps between long-term plans.

Lower costs

short-term plans often incur lower premium costs than ACA plans due to the fact that pre-existing conditions are not covered. Unless you have a pre-existing condition, a short-term plan may benefit you more than utilizing Obamacare.

Flexibility

most short-term plans allow flexible term length. These lengths range from one month to almost one year. This varies by state.

Choice of healthcare professional

short-term plans individuals to go to a number of different doctors and healthcare professionals. 

Gives you options on the go

Travelers, seasonal workers, and recent graduates can utilize short-term plans to ensure they have coverage during all walks of their life.


 

 Pre-existing conditions

you will not get coverage from a short-term plan if you have a pre-existing medical condition. If you do, your coverage will be severely restricted.

Many services denied

short-term plans do not cover many medical issues. Preventative care, maternity care, mental illness and substance abuse are just a few of the ailments short-term plans will typically not cover.

No COBRA

you cannot qualify for COBRA health insurance once your short-term health coverage ends. This can leave many individuals in a pickle down the road.

Read the fine print

short-term insurance plans often do not have an out-of-pocket maximum. These plans may also institute a limit on the maximum amount an insurer could pay.

Not renewable

once your short-term plans end, you cannot renew it. You may struggle to find a new short-term plan once the old one terminates if you developed a pre-existing condition.

No seniors

most short-term insurance plans deny coverage to everyone over the age of 65 years old.