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Short-Term Health Insurance

USA Health Insurance Plan

Short-Term: Is it the right option for you?

Short-term health insurance is a temporary solution for medical coverage that can expire after a pre-determined amount of time. It has several advantages, including affordability and convenience. Keep in mind that this type of temporary healthcare typically goes through an underwriter, which means you'll be asked a series of questions about your current and past health issues.

The short-term plan may be beneficial to those who are in between major medical coverage, waiting for Medicare to begin, or have had a recent job loss.

USA Health Insurance Plan

Short-Term: Is it the right option for you?

Short-term health insurance is a temporary solution for medical coverage that can expire after a pre-determined amount of time. It has several advantages, including affordability and convenience. Keep in mind that this type of temporary healthcare typically goes through an underwriter, which means you'll be asked a series of questions about your current and past health issues.

The short-term plan may be beneficial to those who are in between major medical coverage, waiting for Medicare to begin, or have had a recent job loss.

Temporary Coverage

Most plans have term lengths of 3, 6, or 12 months.

No Tax Credits

With this type of coverage you will not be able to take advantage of tax subsidies for which you may actually qualify.

Limited Benefits

Do not cover mental health, maternity, preventative services, and prescription drugs.

Coverage of Pre-Existing Conditions

Many pre-existing conditions are not covered and coverage is considered limited, so be sure to read the fine print.

Annual & Lifetime Limits

Many policies cap covered benefits at $2 million or less.

Not Automatically Renewable

Short-term health insurance plans are not automatically renewed and you will need to submit a new application for each new coverage period.

Temporary Coverage

Most plans have term lengths of 3, 6, or 12 months.

No Tax Credits

With this type of coverage you will not be able to take advantage of tax subsidies for which you may actually qualify.

Limited Benefits

Do not cover mental health, maternity, preventative services, and prescription drugs.

Coverage of Pre-Existing Conditions

Many pre-existing conditions are not covered and coverage is considered limited, so be sure to read the fine print.

Annual & Lifetime Limits

Many policies cap covered benefits at $2 million or less.

Not Automatically Renewable

Short-term health insurance plans are not automatically renewed and you will need to submit a new application for each new coverage period.

USA Health Insurance Plan

What are the next steps?

Considering a short-term health insurance plan? Do your research first! Be sure to find out what the policy will and will not cover. Know what expenses you will have for copayments, deductibles, and coinsurance. Find out if the policy has an out-of-pocket maximum and if there are caps on total policy coverage. Verify that there are doctors in your area that are in-network. And remember, this is a temporary insurance plan. It is not designed to cover you for the long-term and you need to be prepared to find a new health plan when your short-term policy expires.