Individual Health Insurance

When you need quick coverage for an emergency or a major change in your life, then short term individual health insurance may be the way to go. This will give you coverage for the medical expenses that are relevant to you and will be able to cover you nearly as soon as you apply for it.

You can enroll in a short term individual plan anytime that you want, and it is very easy to be approved. Just don’t expect any health instance provider to agree to cover your preexisting medical conditions. They will have to do that if you sign up for an ACA (Obamacare) healthcare plan, but they don’t have to do that with short term plans. These short term individual plans are coverage plans that are not subject to the same regulations as ACA plans.

Who Needs Short Term Plans?

The individual plans are designed to only last for anywhere from 30 days to a full 364 days, with renewals that can extend them up to 36 months and no longer. In some states, the term limits are much shorter and renewals may not be allowed, but we have only told you the federal guidelines on these plans so far. States are allowed to restrict the term limits to make them shorter, but not extend them further.

Short term plans may not be the best choice for every person, but they are a great option for people who are not able to get a major medical plan that they want for whatever reason. Perhaps, they simply cannot afford it or they are not eligible for it. Either way, a short term plan is less expensive and easier to enroll in.

Short term plans are great for people in temporary situations where they need some extra coverage. If you are between jobs or out of work, then a short term plan can give you coverage that your employer will not. If you are moving to a new home, then you can be covered by a short term plan during that move. That can be helpful when your current plan won’t cover you in another state.

If you are waiting to enroll in a healthcare plan that requires a specific enrollment date, then you can use a short term plan to cover you for the interim. That is a great way to get the coverage you require without the hassle or expense of a major medical plan.

Now, short term plans may not be as robust as major medical plans, but they can be a great alternative, filling in the coverage gaps, complementing the major plan or just serving as a temporary replacement for something bigger and more powerful.

Why Short Term Plans Are So Inexpensive

You can buy a short term health insurance plan as an individual plan. It doesn’t have to be an employer plan or a family plan, and that can save you some money. Just having the insurance for yourself makes it fairly inexpensive, and you can find these plans for under $100 if you do some looking. Individual health insurance prices are available here on our website, and we make it very easy to not just source some rates but also compare those prices to find the best deal. This is how a lot of people save money on their healthcare, and you can do the same thing, if you take some time to source prices and compare them.

The average cost of an individual short term plan is $113 per month, but you can find some even cheaper, if you do some looking. You might want something that is a bit more powerful than the cheapest short term plan. There are some relatively robust ones out there, and our site can make them easier to find. You can be covered for medical expenses like emergency care, nursing care, hospital stays, doctor’s office visits and much more. Pretty much any medical expense that you can think of can be covered by one of these plans.

Short term plans are cheaper than major medical plans because they cover less and because they don’t last as long. These two factors combine to make them more personalized to your needs, so you don’t have to end up paying for coverage that you don’t really need. If you need help finding the perfect plan, then please let us know. We are happy to assist you and to ensure that you get a plan that you are happy with. You can also use our site to compare prices and find the best deal, ensuring that you get a cheap, affordable individual health plan.

Who Sells Individual Healthcare Plans?

Some of the best insurers to buy an individual healthcare plan from are United Healthcare, National General and Pivot Health. These all offer affordable prices and a great selection of short term policies.

United Healthcare enables you to connect to thousands of healthcare providers around the country. They have partnerships with numerous healthcare providers and with AARP, so they can give you some great-senior focused services as well.

Pivot Health does an excellent job of making health insurance simple and affordable. They have some the best rates in the industry, and they offer their customers a great customer service experience.

National General offers a lot of strength and stability, meaning that their prices won’t tend to fluctuate often or drastically.

You can check out the rates for plans from these providers right here on our website. You’ll also see other providers and what they are selling their plans for. This will enable you to make an informed decision and get a plan that you feel happy with.

If you are in need of any help or you have any questions, then feel free to call on us. We can find you the lowest prices on individual health insurance and get you the information you need to feel good about your health insurance decision. One of these plans could be a huge money saver for you, helping you to be covered adequately while costing you very little.