Are you looking for health insurance coverage, but are stuck outside of the open enrollment period? Have you recently lost your insurance? Are you currently uninsured because of how expensive health insurance is?
A short term health insurance policy could be your solution. Short term health plans can help you pay for a variety of different medical expenses such as:
- Doctor visits
- Emergency room
- Inpatient stay
- And much more
Short term health plans are designed to provide coverage when there is a gap in coverage for whatever reason. There are several reasons why a short term policy may be the best option for you.
The first advantage that everyone wants to hear about is the price. These short terms plans do not follow all of the rules of The Affordable Care Act (ACA), which means they can be provided to you at a much lower price than a normal health insurance plan, especially if you are not eligible for subsidy on the marketplace. It is important to note that short term policies do not satisfy the requirements of the ACA, so you will still receive a penalty for not carrying health insurance. However, for most people, the cost of the penalty plus the cost of the short term plan is cheaper than the premium of an ACA health plan.
Money isn’t the only thing to consider and the main concern is getting coverage in place as soon as possible with minimal hassle. After filling out a short application and medical questionnaire, you can get coverage put in place the very next day. There are also no enrollment periods with short term policies, so there are no restrictions as to when you can start this coverage. This is also the perfect tool for anyone who may have not been aware of the new open enrollment periods, and would otherwise be stuck without coverage until the next open enrollment period starts in November.
With the continually rising costs of medical care, you do not want to stay uninsured without knowing what your options are. Call Agri-Services Agency at 877-466-9089 and discuss your options with one of our licensed Health Insurance Agents to see if a short term policy is right for you!