Speak to an advisor1-888-855-6837
You need health insurance, and you need it soon. But there’s a bit of a problem: Open enrollment for 2017 Obamacare plans ended January 31, and you do not qualify for a special enrollment period to purchase one now.
Oftentimes, people in your situation want health insurance that they consider cheap, can be quickly and easily obtained, and will help pay for unexpected medical expenses.
Short term health plans are a common option for those in between job-based plans and other minimum essential coverage (e.g., major medical, aka Obamacare).
Short term medical insurance, which is sometimes called STM, can be an attractive temporary option for the following reasons:
No contact information needed unless you apply.
If you need coverage that lasts longer than three months—and, again, an Obamacare plan isn’t an option—consider a hospital indemnity plan (i.e., HIP, fixed indemnity benefit plan).
Hospital indemnity plans:
HIP can be a smart option if you:
Get a no-pressure quote.
Call the number at the top of your screen to learn more.
Whether you should choose short term coverage or a hospital indemnity plan depends entirely on your healthcare needs and budget. This chart can help you quickly compare the two; however, speak with a licensed health insurance producer by calling the number at the top of your screen or click here to find a local agent.
Neither short term plans nor hospital indemnity plans qualify as minimum essential coverage under the Affordable Care Act, which means you could still owe a tax penalty unless you are exempt from the individual shared responsibility provision (i.e., mandate). When in doubt, speak with a health insurance producer about your coverage options and potential exemptions.
* These benefits apply to a specific duration and the amount remains the same regardless of the actual costs of services.
** Hospital indemnity plans do not coordinate with other coverage