hort term health insurance is major medical insurance that is purchased for a defined period of time and generally has a much lower monthly premium than other forms of major medical health insurance. There are two other big advantages of short term health insurance over other forms of major medical insurance such as an Obamacare (ACA) plan or an employer plan. First, you can use your short term health insurance plan to pay for services from ANY doctor or hospital. Yes you can keep your doctor! Second, short term health insurance plans have no open enrollment restrictions so you can apply at anytime. You will be notified within minutes if your application is approved, and you can use your coverage as early as the next day! At AgileHealthInsurance, we specialize in affordable short term health insurance plans, and we are committed to offering consumers affordable health insurance choices.
Will Short Term Health Insurance Work for Me?
Short term health insurance might be right for you if you:
Have missed the annual Open Enrollment periods for Obamacare/ACA plans
Have a waiting period before you can enroll in another major medical insurance plan
Are in between jobs, a part-time or temporary worker, or looking for a less expensive alternative to COBRA.
Are a student, a recent graduate, or have aged out of your parent’s health plan
Have retired but are too young for Medicare
Your preferred doctor or hospital doesn’t accept Obamacare or an Obamacare plan isn’t available in your area.
Like millions of Americans, you simply can’t afford Obamacare
Read more about ‘What is Short Term Health Insurance?’
Why Short Term Health Insurance?
Short term health insurance plans have premiums that are more affordable. AgileHealthInsurance offers plans that may cost half of what’s being charged for Obamacare or Affordable Care Act (ACA) plans.
Choose your doctor or hospital
You can choose your short term health insurance plan to pay for services from ANY doctor or hospital. Yes, you can keep your doctor! With most short term plans, you will also receive discounted provider network rates.
Lower your deductible
An AgileHealthInsurance short term health insurance plan will allow you to select a deductible as low as $250.* AgileHealthInsurance offers its customers an opportunity to lower their deductible. You can apply in minutes and be covered tomorrow.
Designed to protect your finances and your health
Short Term health insurance is designed to protect your finances and health. A major health incident such as an injury or illness can devastate you financially. It’s not worth the risk to go uncovered. Compare the benefits of the numerous offerings on AgileHealthInsurance.
Read more about ‘Why Buy Short Term Health Insurance?’
What are the pros and cons of Short Term Health Insurance?
Very affordable and may cost half of what is charged for an Obamacare/ACA plan.
You can apply for insurance any time during the year — no enrollment periods.
Lower deductibles than Obamacare plans.
Coverage and benefits are flexible, choose what best fits your needs
Unrestricted networks so you can see any doctor or hospital that you want; many plans also offer broad discounted networks of healthcare providers that provide access to many of the top hospitals and cancer centers in the United States.
Premiums cannot increase during the coverage period
Short term plans are creditable coverage under the Health Insurance Portability and Accountability Act.
No coverage of pre-existing medical conditions
Your health status is evaluated as part of the application approval process
Prescription drugs may not be covered
Some benefits are not covered (e.g. maternity coverage is excluded)
People with certain chronic conditions or poor health would not be served well by a short term health insurance product
Read more about ‘The Pros & Cons of Short Term Health Insurance’
If you’re looking for low premiums while still maintaining a choice of doctors and having protection against injury or illness, a short term health insurance plan may be a great option. See how much money you can save with a short term health insurance plan from AgileHealthInsurance.
hort Term health insurance, underwritten by Golden Rule Insurance Company, is a flexible health insurance coverage solution when you need coverage for a period of transition in your life.
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Is short term insurance for me?
Short Term insurance may be for you if you’re:
Unable to apply for Affordable Care Act (ACA), also called Obamacare, coverage because you missed Open Enrollment and you don’t qualify for Special Enrollment
Waiting for your ACA coverage to start
Looking for coverage to bridge you to Medicare
Turning 26 and coming off your parent’s insurance
Between jobs or waiting for benefits to begin at your new job
Healthy and under 65
For these situations and many others, Short Term health insurance, also called Temporary health insurance or Term health insurance, might be right for you. It can fill that gap in coverage until you can choose a longer term solution.
Offering short-term insurance for 30 years
The UnitedHealthcare commitment to the Short Term health insurance option hasn’t just come about with recent shifts in the health insurance market. Golden Rule Insurance Company, which became a part of UnitedHealthcare in 2003 and still underwrites the Short Term Medical insurance product today, has been offering Short Term insurance plans for over 30 years.
The benefits of short term health insurance
Short Term health insurance offers you just the kind of flexible, fast coverage you need for those dynamic times of change in your life. With Short Term Medical plans1 you can:
Get covered fast, as soon as the day after application
Pick your deductible amount from several options
Drop coverage with no penalty and receive a refund on unused premium if a more permanent health insurance option comes along
Access an extensive network of health care professionals, with 1 million physicians and other health care professionals and approximately 6,000 hospitals and other facilities2
Get generally lower premiums than with ACA health insurance plans
Keep these short term insurance reminders in your long-term memory
With Short Term health insurance you are not buying an ACA health plan. That means you need to keep a few things in mind as you plan your coverage needs:
ACA health plans are guaranteed issue, meaning you cannot be denied coverage based on preexisting conditions
Short Term insurance plans are not guaranteed issue, do not cover preexisting conditions, and you must answer a series of medical questions to apply for coverage
ACA health plans are required to cover 10 essential health benefits, including maternity and newborn care, mental health and substance abuse disorder services
Short Term insurance plans do not have coverage requirements, so plans vary in what they cover. Check your plan details carefully
So, it’s true that you may save money by choosing Short Term health insurance. Just be sure you know what you are buying, and that it’s a good choice for you. For the right situation, Short Term insurance plans can definitely provide fast, flexible, temporary health insurance coverage that fits your needs.
For 2016, the ACA tax penalty was 2.5% of your yearly household income or $695 per person, $347.50 per child under 18. You paid whichever was greater, and paid part of the total fee for each full month a family member had no coverage. The total tax penalty was $2,085 or the total annual premium for the national average price of a Marketplace Bronze plan, again, whichever was greater.