Frequently Asked Questions & Answers

How long can you use short term health insurance?

As of 2019, the use of short term health insurance coverage has been extended to 12 months, with an option to renew coverage for up to 3 years.

What is a short term health insurance plan?

Short term health insurance is a health/medical policy with a limited duration. Policies usually last anywhere from a few months to a year. Short term coverage is typically less costly than major medical policies, however, they do not cover pre-existing conditions.

Is short term health insurance renewable?

Yes. As of 2019, the maximum duration of renewable coverage for short term insurance is maxed out at 36 months (3 years).

Can you cancel short term health insurance?

Yes. Most policies have a minimum period of coverage of 30 days. If you need coverage for less than 30 days, you can usually make an upfront payment to cover a minimum of 30 days. You can also set-up a monthly payment coverage policy and cancel at any time after the initial 30 days.

Does short term insurance qualify for Obamacare?

Affordable Care Act plans typically have more benefits than short term insurance, however, ACA policies come at a much higher cost without the premium subsidies available to qualified buyers.

Does short term medical insurance count as a creditable type of coverage?

As of 2019, tax penalties will not apply to short term health insurance policies.

Does short term health insurance cover pre-existing conditions?

In short, no. Usually, short term insurance carriers will deny coverage or charge more to those with pre-existing conditions. Review essential health benefits.

How long can I keep short term health insurance?

As of 2019, short term health insurance coverage is renewable up to 36 months (3 years).

How can you apply for short term health insurance?

It’s simple. Fill out your information on our website, and a carrier will contact you with a quote! 

Can I buy health insurance right now?

Yes. With the option of applying for immediate health insurance, you can begin receiving coverage as early as tomorrow. In general, however, with major medical policies, you would need to wait for the next Open Enrollment period. This makes short term insurance worth considering to bridge that gap. How do you buy a short-term health insurance plan?

Can I get health insurance without a job?

Yes. One of the many benefits of short term health insurance is that it can provide coverage until you begin receiving your employer-sponsored coverage. Lost your job?

Can you buy health insurance outside of the marketplace?

Yes. Short term insurance can be bought outside of the marketplace (outside of Open Enrollment). Get affordable short term health insurance quotes today.