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Short Term Health Plans
Short term health insurance is a great way for people to fill gaps in insurance coverage without sacrificing routine healthcare services. In some cases, you can get coverage as soon as tomorrow and can cancel anytime without a termination penalty. Plus, short term plans offer a range of deductibles making it easy to find the right benefits at the right price.
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Short Term Health Insurance
Major medical insurance isn't always an option for some.
If you've missed the deadline for open enrollment, for example, or you just can't afford the premiums and deductibles that come with a traditional health insurance policy, then short term coverage might be a good alternative for you. As the name implies, short term health insurance – abbreviated to STHPs for short-term health plans – is temporary medical coverage. These plans are ideal for people in transition, whether you've changed jobs and need something to fill the gap between employer-sponsored coverage, you've just graduated college or been dropped from your parents' plan, or you've retired early but don't qualify for Medicare yet.
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Before 2016, STHPs could last from 30 days to a full year in some states, but that has since changed. Now, short term health policies run from 30 days to under three months. They cover limited benefits, don't include pre-existing conditions and aren't guaranteed-issue or renewable. Unlike major medical policies, STHPs include maximum lifetime payout limits, and you must meet a deductible before the insurer will pay its portion. Plus, STHPs require you to see in-network providers. If you go outside the network, the plan won't cover your care unless it's a true emergency.
Despite some obvious drawbacks, short term health insurance makes sense for certain people. Premiums are much lower for STHPs than for major medical policies, they cover a variety of benefits depending on the plan you choose, and they offer peace of mind if you don't have major medical insurance but need some kind of protection in place. Combined with other policies, like standalone critical illness protection, short term medical plans can form one part of a decent private benefits package.
HealthNetwork.com, a website owned by Health Network Group, LLC, markets products underwritten by National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation. Health Network Group National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation are all related companies under National General Holdings Corp.
This Website is not associated with Healthcare.gov. HealthNetwork is not a licensed agent or broker and cannot write insurance policies. HealthNetwork will connect consumers to one of its trusted partners to complete the enrollment process. Plan prices and details shown are our intial estimates. Our Trusted Partners will provide more definitive information.