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What Is Short Term Health Insurance?
Short term health insurance is major medical insurance that is purchased for a defined period of time and generally has a much lower monthly premium than other forms of major medical health insurance. There are two other big advantages of short term health insurance over other forms of major medical insurance such as an Obamacare (ACA) plan or an employer plan. First, you can use your short term health insurance plan to pay for services from ANY doctor or hospital. Yes you can keep your doctor! Second, short term health insurance plans have no open enrollment restrictions so you can apply at anytime. You will be notified within minutes if your application is approved, and you can use your coverage as early as the next day! At AgileHealthInsurance, we specialize in affordable short term health insurance plans, and we are committed to offering consumers affordable health insurance choices.
Will Short Term Health Insurance Work for Me?
Short term health insurance might be right for you if you:
- Have missed the annual Open Enrollment periods for Obamacare/ACA plans
- Have a waiting period before you can enroll in another major medical insurance plan
- Are in between jobs, a part-time or temporary worker, or looking for a less expensive alternative to COBRA.
- Are a student, a recent graduate, or have aged out of your parent’s health plan
- Have retired but are too young for Medicare
- Your preferred doctor or hospital doesn’t accept Obamacare or an Obamacare plan isn’t available in your area.
- Like millions of Americans, you simply can’t afford Obamacare
Why Short Term Health Insurance?
Short term health insurance plans have premiums that are more affordable. AgileHealthInsurance offers plans that may cost half of what’s being charged for Obamacare or Affordable Care Act (ACA) plans.
Choose your doctor or hospital
You can choose your short term health insurance plan to pay for services from ANY doctor or hospital. Yes, you can keep your doctor! With most short term plans, you will also receive discounted provider network rates.
Lower your deductible
An AgileHealthInsurance short term health insurance plan will allow you to select a deductible as low as $250.* AgileHealthInsurance offers its customers an opportunity to lower their deductible. You can apply in minutes and be covered tomorrow.
Designed to protect your finances and your health
Short Term health insurance is designed to protect your finances and health. A major health incident such as an injury or illness can devastate you financially. It’s not worth the risk to go uncovered. Compare the benefits of the numerous offerings on AgileHealthInsurance.
What are the pros and cons of Short Term Health Insurance?
- Very affordable and may cost half of what is charged for an Obamacare/ACA plan.
- You can apply for insurance any time during the year – no enrollment periods.
- Lower deductibles than Obamacare plans.
- Coverage and benefits are flexible, choose what best fits your needs
- Unrestricted networks so you can see any doctor or hospital that you want; many plans also offer broad discounted networks of healthcare providers that provide access to many of the top hospitals and cancer centers in the United States.
- Premiums cannot increase during the coverage period
- Short term plans are creditable coverage under the Health Insurance Portability and Accountability Act.
- No coverage of pre-existing medical conditions
- Your health status is evaluated as part of the application approval process
- Prescription drugs may not be covered
- Some benefits are not covered (e.g. maternity coverage is excluded)
- People with certain chronic conditions or poor health would not be served well by a short term health insurance product
If you’re looking for low premiums while still maintaining a choice of doctors and having protection against injury or illness, a short term health insurance plan may be a great option. See how much money you can save with a short term health insurance plan from AgileHealthInsurance.
How Do I Apply for Short Term Health Insurance?
Applying for short term health insurance through AgileHealthInsurance is easy. Click the link above, and follow the simple application process. If you are approved, you can get coverage starting as soon as the next day!
Get covered by these carriers
AgileHealthInsurance works with the best insurance companies in short term health insurance to bring you a quality health insurance plan at an affordable rate.
*Quote on AgileHealthInsurance in zip code 60609.
Short Term Health Insurance
Georgia short-term health insurance provides you with a way to maintain health insurance coverage while between jobs, attending school, employed part-time or simply waiting for a permanent health insurance plan to begin. Georgia residents should not go without insurance even for a small period of time. Short term health insurance will offer you peace of mind and coverage if you in fact do need it.
Health Maintenance Organizations (HMO)
A HMO is the easiest way to buy cheap short term health insurance in Georgia. However, you have to give up some flexibility with HMOs. In order to receive discounted medical services, you must use the facilities and physicians included in the HMO health insurance plan’s network; if you use a provider that isn’t in their network, you’ll have to pay full price. Also, you will generally have to see your primary care physician for non-emergency referrals to a specialist. The size of HMO networks varies.
VitalOne can help you when buying affordable short term health insurance by comparing the coverage and rates of various short term HMO plans.
Preferred Provider Organizations (PPO Plan)
PPO short term health insurance plans are similar to HMOs. A PPO plan covers a network of healthcare providers. If you go outside the network of your PPO temporary health insurance coverage, you will be reimbursed at a lower rate; the balance comes out of your pocket. The main difference between the two types of short term health insurance is that with a preferred provider organization, you are allowed to see any physician you want. You are not required to select a primary care physician or get referred to a specialist with this kind of short term health insurance. In general, co-payments are higher than those of other managed care short term health insurance plans. Some PPO plans also make you pay a deductible. Nevertheless, PPOs can be a great way to get affordable temporary health insurance that allows you greater freedom of choice.
At VitalOne, we can provide you with a short term health insurance quote from several providers.
Point of Service Plans (POS)
A point of service plan combines aspects of a HMO and a PPO. First, you must select a primary care physician from their network, like HMO short term health insurance plans. Your primary care physician can then give you referrals to any specialist, whether or not they are inside the network. POS plans, like PPOs, allow you the freedom to see any medical provider you want. However, going outside the network will cost you more out-of-pocket. In addition, receiving out-of-network health care makes you responsible for keeping track of and submitting paperwork to get reimbursed by your personal health insurance at the lower rate. Point of service plans are usually cheaper than PPO plans, since you lose some control of your health care.
In some ways, POS plans give you the best of both worlds when it comes to Georgia temporary health insurance. Wondering if a POS short term health insurance plan is right for you? VitalOne has an short term health insurance quote for most POS providers. They can help you decide which individual health insurance plan is appropriate.
Health Savings Accounts (HSA)
Health savings accounts can be combined with affordable temporary health insurance. HSA plans transfer more of the control and responsibility for your short term health insurance plan to you, as opposed to managed care plans. HSA plans are funded with pre-tax dollars, which can then be used for qualified medical expenses. Many of these expenses, including doctor visits, prescription and over-the-counter medications, and other preventative care services, are not covered under most cheap short term health insurance plans. Instead of paying for these expenses out-of-pocket with your taxable income, you can save money when buying these health care services through a HSA.
HSAs are typically partnered with a high deductible short term health insurance plan. These are the most common temporary health insurance plans; premiums are lower because the deductibles can cost several thousand dollars per year. Tax-exempt health savings accounts are meant to cover non-catastrophic health issues. HSA short term health insurance coverage provides the greatest savings to healthy and young people who are between individual insurance plans. Ask VitalOne to help you select the ideal health savings account and high-deductible short term health insurance plan for your needs.
Guaranteed Issue Health Insurance
If you have a pre-existing medical condition, you may think short term health insurance is out of reach. Guaranteed issue short term health insurance plans may be right for you. This type of insurance is required to cover anyone who applies, no matter what their health status is. People with cancer, diabetes, high blood pressure, or currently pregnant are among those who can benefit from buying temporary health insurance with pre-existing conditions. Premiums are typically more expensive, since for-profit short term health insurance providers do not want to cover someone who is already sick. However, VitalOne can still help you find affordable short term health insurance.
Guaranteed issue short term health insurance plans are rare, but are available in Georgia. You can use the large PPO network from Multiplan, and save money when you use health care providers at lower rates within the network. Get a guaranteed issue short term health insurance quote and compare plans with us today.
Life insurance allows you to care for your family after you’re gone. It pays out a specified lump sum upon an individual’s death. The main types of life insurance are term life, whole life, variable life, and universal life. Term life insurance is the most affordable; it includes coverage for a set time period, either long or short term. Face value amounts for term life insurance policies sold in Georgia begin at $5,000 and can reach millions of dollars.
How much life insurance do you need? Several factors should be taken into consideration. A short term life insurance policy should cover at least several years of your annual income. Higher incomes mean greater impact on your loved ones’ financial well-being after they stop coming in. If you have many outstanding debts, including mortgages or loans, you may also want to take those into account when deciding on the amount of your life insurance policy. It is also important that the monthly premiums for your life insurance policy are affordable. VitalOne is there for you during this complex process. Our licensed Georgia insurance brokers can help you select the right Georgia life insurance plan for your needs.
Critical Illness Insurance
Critical illness insurance pays you a lump sum if you experience a major medical condition covered in the policy. Diseases, surgeries, and injuries included in typical critical illness insurance policies range from cancer (whether or not it has spread), heart attacks, organ transplants and strokes to severe burns, paraplegia, blindness, or deafness. There are times when short term health insurance doesn’t pay for entire cost of treating a critical illness. For example, patients are sometimes transported to distant hospitals that are centers of excellence for certain specialties. The payout you receive from critical temporary health insurance could pay for your family and friends to stay with you during your hospitalization. The money can also be used for mortgage payments, or anything else that would help reduce financial stress and allow you to focus on recovering.
Several conditions can be bundled together in one short term critical illness insurance policy. A certain percentage of the coverage can be paid out upon initial diagnosis, while more can be paid in the case of a recurrence or developing another condition. The younger you are, the more affordable critical illness insurance is. You also need to be careful to know what conditions are excluded, and how long the waiting period before receiving payment is. Just as when you get a life insurance policy, the amount of coverage you buy should be based on your mortgage and credit card debts in addition to your annual income. VitalOne can help you decide which critical illness short term health insurance policy is right for you.
Is short-term health insurance right for you?
Plans provide coverage for millions caught in the coverage gap, with incomes too high for subsidies, or those caught by the ‘family glitch’
- Louise Norris
- Individual health insurance and health reform authority; broker
- August 1, 2018
The premium increases for ACA-compliant health insurance were substantial for 2017, and again for 2018 (the 2018 increases were due in large part to the uncertainty created by the Trump Administration and Republican lawmakers’ efforts to repeal the ACA). And although premium subsidies in the exchanges offset most or all of the increases for people willing to shop around for coverage, they don’t help everyone.
If you’re among those consumers, should you consider short-term health insurance plans?
Why consider short-term coverage?
There are currently about 2.2 million people who are caught in the coverage gap in 18 states that have refused to accept federal funding to expand Medicaid. Their household incomes are under the federal poverty level, so paying full price for health insurance is probably a non-starter.
Millions of Americans also have incomes above 400 percent of the poverty level, but not dramatically so. And thanks to the subsidy cliff, they can be facing premiums that are 25 percent – or more – of their income, depending on where they live.
Others are caught by the family glitch, and although their coverage is technically considered “affordable,” that may not actually be the case.
If you’re among these consumers – and you’ve looked at all the on- and off-exchange options for regular health insurance and simply cannot afford them – it’s worth at least weighing the pros and cons of short-term coverage. So here’s what you need to know:
Plans are now limited to less than three months in duration, but that will change in many states by late-2018
Short-term plans are available in most states, but the type of temporary plan can vary considerably. And, in fact, there are five states (New York, New Jersey, Massachusetts, Rhode Island, and Vermont) where short-term plans aren’t available at all.
Availability of short-term plans has always varied from one state to another. But prior to 2017, short-term health insurance was defined by the federal government as a plan with a duration of less than one year (states were free to set shorter durations, and some states limited short-term plans to six months or less). The federal rules changed as of January 2017, though. In 2016, HHS finalized their proposal to limit short-term plans to “less than three months” in duration, for plans with effective dates of January 2017 or later. This rule applied in every state, although states were free to set more restrictive limits.
However, they noted in the final rule that they wouldn’t take enforcement action on this until April 1, 2017. So short-term plans with longer durations were still available for sale through the end of March 2017, as long as they were scheduled to terminate on or before December 31, 2017. As of April 1, 2017, no short-term plans could be sold that have durations of three months or longer (90 days is ok).
The Obama Administration wanted to make sure that short-term plans would only be used for their original intent: as a stop-gap measure before another plan kicks in. Short-term plans were never intended to be used as a substitute for regular long-term health insurance, but that’s what some people had been using them for since the ACA regulations took effect in the individual market.
The Trump Administration, however, has finalized regulations that will roll back the restrictions on short-term plans. As of October 2018, federal rules will once again allow short-term plans to have initial terms of up to 364 days, and the new federal rules also allow those plans to renew as long as the total duration of a single plan doesn’t exceed 36 months.
Although all short-term plans sold between April 2017 and October 2018 are limited to 90 days in duration, some insurers are allowing consumers to purchase up to four short-term plans at one time (each with a 90-day duration), with the plans running back-to-back. Enrollees only need to complete one application — and go through the medical underwriting process one time — but they can have coverage for up to 360 days.
Trump Administration has finalized rules that revert to the “under a year” definition of short-term
The rule limiting short-term plans to 90 days started to be enforced after Trump took office, but it was an Obama Administration rule change, promulgated under then-Secretary of HHS, Sylvia Burwell. On June 8, 2017, a group of 14 Republican Senators sent a letter to HHS, asking the new administration to revert to the old rules for short-term plans.
President Trump signed an executive order in October 2017 that was expected to eventually result in a reversal of the Obama Administration rule and a return to the previous rule that limited the duration of short-term plans to anything less than a year. The executive order did not change anything in and of itself. Instead, it directed various federal agencies to “consider proposing” new regulations that would return to the previous rules for short-term plans.
In response to the executive order, HHS, the Department of Labor, and the Department of the Treasury finalized new rules for short-term plans in August 2018. The rules take effect 60 days after they’re published in the Federal Register, so short-term plans operating under the new rules could potentially be available as of October 2018.
Under the new rules, short-term plans:
- Can be sold with initial terms of up to 364 days.
- Can be renewed (and can be issued with a guaranteed-renewable provision), but the total duration of the plan, including renewals, can’t exceed 36 months.
- Must include a disclosure that clarifies that short-term plans aren’t ACA-compliant, don’t have to cover various essential health benefits, can have lifetime and annual benefit limits, and their termination does not trigger a special enrollment period for ACA-compliant individual market plans.
But quite a few states limit short-term policies no more than six months, and there are five states that didn’t have short-term plans at all. States will be able to continue to enforce more stringent regulations on short-term plans. And it’s noteworthy that even in the states where the pre-2017 federal definition (ie, less than one year in duration) was being used in 2016, the majority of available plans tended to have a maximum length of six months. So even after the new rules are fully implemented, short-term policies with 364-day terms (and the potential to renew the coverage) may not be widely available.
The GOP Senators who asked the Trump Administration to intervene claimed that the Obama Administration rules hurt consumers by eliminating the option for short-term plans with durations longer than three months. The Trump Administration agreed with the Senators, and the final rule highlights the fact that the three Departments believe that overall, consumers will be better off with expanded access to short-term plans.
This is a controversial stance, though, since it hurts the ACA-compliant major medical risk pool when healthy consumers opt for short-term plans instead of regular major medical coverage. Since short-term plans don’t cover pre-existing conditions, they are really only an option for healthy people. And when fewer healthy people sign up for regular health insurance, the risk pool for that coverage tilts more towards the sick end, driving up costs for everyone.
Reverting to the pre-2017 definition of “short-term” will have a destabilizing effect on the ACA-compliant market
The Trump Administration is ostensibly rolling back the regulations on short-term plans in order to allow more consumer choice, but this action will have a destabilizing effect on the individual health insurance market — where about 17.6 million Americans get their coverage. This is especially true when you consider the fact that the ACA’s individual mandate penalty will be eliminated as of 2019, as a result of the GOP tax bill that was enacted in 2017. The penalty is still in place in 2018, and will apply to people who obtain coverage under a short-term plan (assuming they aren’t eligible for an exemption from the penalty). But as of 2019, there will be no penalty, which will make it easier for people to opt for a short-term plan instead of ACA-compliant coverage.
Once short-term plans can again be purchased for up to 364 days, it will help healthy people avoid the ACA-compliant market in favor of a cheaper option. The coverage is less robust in the short-term market, but some healthy people will see it as a valid trade-off for lower premiums. The problem is that those healthy people are the ones who are needed in the ACA-compliant market in order to keep the market stable. The final rule estimates that 600,000 people will newly enroll in short-term plans in 2019 as a result of the new rules; 200,000 of them from the existing on-exchange individual market, 300,000 from the off-exchange market, and 100,000 who are currently uninsured. So the majority of the people who will enroll in short-term plans as a result of the new rules will be transitioning away from the ACA-compliant individual market.
The exodus of people from the individual market to the short-term market is likely to be comprised mostly of people who are relatively young and healthy, leaving sicker, older people in the ACA-compliant market. This will result in higher premiums in the ACA-compliant market, which will, in turn, result in larger premium subsidies.
For people who get premium subsidies, the higher premiums will be offset by larger subsidies. But for people who pay full price because they aren’t eligible for subsidies, the additional premiums necessary to cover an increasingly old and sick risk pool will be borne by the policy-holder alone.
Potential savings – short-term plans are cheaper because they provide less coverage
A lower monthly premium is the primary draw for short-term plans. Consider a family of four, living in Colorado and earning $99,000/year (just over the upper limit for premium subsidy eligibility in 2018). The parents are around age 40, with two young children. For 2018, the cheapest plan they can get in the exchange would cost $1,190 per month in premiums. And it would have a maximum out-of-pocket exposure of $14,700 for the family.
of Federal Poverty Level
But there are numerous short-term plans available to them, with premiums that range from under $100/month to nearly $500/month. All of the plans are currently capped at 90 days (longer short-term plans won’t be available until at least October 2018), but they could purchase a second plan after the first expired (Colorado limited short-term plan duration at a maximum of six months prior to 2017, but currently available plans are limited to 90 days due to the federal regulations that took effect in 2017). There are several plan designs available, and although none of them are as comprehensive as ACA-compliant plans, the trade-off is that they have much lower premiums.
Short-term plans are not considered minimum essential coverage, which means that the ACA’s penalty applies to people who rely on short-term plans. However, there’s a penalty exemption if coverage is considered unaffordable. For 2018, if the cost of the cheapest bronze plan would be more than 8.05 percent of your household income, you’re exempt from the penalty. For the hypothetical family in Colorado, the penalty exemption would apply, since $1,190 per month would be more than 8.05 percent of their household income (the premiums would come to $14,280 for the year, and 8.05 percent of their income is only $7,970; the premiums would be well above the upper limit of what the IRS considers affordable for that family).
So that family would not be subject to the ACA’s individual mandate penalty in 2018, regardless of what type of coverage they purchased or didn’t purchase.
Other obvious advantages
If short-term coverage is available in your state, there are some features with obvious appeal for consumers who are in dire straits.
- Immediacy. With short-term policies, healthy applicants can secure immediate individual and family coverage, with plans that can kick in as early as the next day. If you already know the number of days you will need to be covered, your insurer may allow you to make a single payment for the whole coverage period.
- Costs. Short-term plans are typically offered with a selection of premiums, deductibles, and benefit maximums. The policies are considerably less expensive than ACA-compliant major medical plans, so you may find that you can afford to purchase a plan with a low deductible and a high-benefit maximum.
- Flexibility. The policies also cover a range of physician services, surgery, outpatient and inpatient care. In addition, policyholders can sometimes choose their own doctor and hospital without restrictions, though there may be financial incentives for using in-network providers.
- Enrollment / eligibility. The enrollment process is quick and easy, with just a handful of yes/no questions regarding major health concerns (even if your health conditions are not included, bear in mind that virtually all short-term plans have blanket exclusions that apply to any pre-existing condition, regardless of whether it’s one of the conditions that determines eligibility for coverage).
- Once the Trump Administration rules are finalized, in states that allow it, an applicant could potentially buy a short-term policy and keep it for up to three years. The insurer may offer the option to lock in guaranteed renewability, without additional medical underwriting, when the policy is purchased, meaning that the applicant would only have to apply once and could be covered for up to three years. It’s still unclear whether insurers will see this as an attractive option however, since a big part of the reason short-term plans are so inexpensive is that the insurer is only taking on risk for a short period of time when they know that the applicant is at least fairly healthy.
A few important caveats to keep in mind
- No coverage for pre-existing conditions. Even if you’re eligible for coverage based on the short list of questions asked on the application, you will generally not have coverage for any pre-existing medical conditions while you’re enrolled in the plan. Short-term plans exist solely to provide coverage for medical conditions that have not yet arisen – and will not be any help at all in terms of medical conditions you already have. Be sure to check the list of exclusions on any policy.
- It’s not comprehensive coverage. These plans weren’t designed to cover everything, and they do not provide coverage for all of the ACA’s essential benefits. They typically won’t cover your routine office visits, maternity, mental health or preventative care, and many plans don’t cover prescription drugs unless you’re hospitalized. Again, be sure to check the list of exclusions on any policy.
- You could still pay a penalty for 2018. This is a biggie. Unless you qualify for an exemption from the ACA’s individual mandate penalty, you will owe a penalty if you rely on short-term health insurance in 2018. (Everyone in the coverage gap is exempt from the penalty, as is anyone for whom the least-expensive plan in the exchange — after accounting for any available subsidies — is more than 8.05 percent of household income in 2018). The penalty is still in effect in 2018, although people who are uninsured in 2019 and beyond will no longer be subject to a penalty.
- You could still end up facing a gap in coverage. When your short-term plan ends, you will not be eligible to purchase a regular plan in the individual market if it’s outside of open enrollment. Loss of minimum essential coverage is a qualifying event that triggers a special enrollment period, but a short-term plan is not considered minimum essential coverage. But if you’re buying short-term coverage to get you through to the end of the year, you’ll be able to purchase an ACA-compliant plan during open enrollment that will take effect the first of the coming year. And if you’re going to be starting a new job that offers health insurance, you’ll be able to enroll in your new employer’s plan as soon as you’re eligible. It’s also worth noting that the termination of a short-term plan does trigger a special enrollment period for group health coverage. So if you have access to your employer’s plan but hadn’t enrolled (and had enrolled in a short-term plan instead), the termination of your short-term plan would allow you a special enrollment period during which you could enroll in your employer’s plan.
- Once the new rules take effect and 364-day short-term plans once again become available, that last point will still be important to keep in mind. If you purchase a 364-day plan in July and then suffer a serious illness or injury the following April, you could find yourself in a predicament if the plan you purchased was not guaranteed-renewable (under the new rules, insurers have the option to offer guaranteed renewability, but are not required to do so). Depending on your medical situation, you may not be able to purchase another short-term plan when yours expires in June. And you wouldn’t be eligible for a special enrollment period to buy an ACA-compliant plan, since the termination of a short-term plan is not a qualifying event. More than likely, you’d have to wait for open enrollment in order to sign up for a new plan, which would take effect January 1. So you could find yourself uninsured for several months (in this case, July through December), and it might be at a time when you have ongoing medical needs related to the illness or injury that made you uninsurable for a second short-term plan. This is complicated, and certainly requires more than a passing glance when you’re considering what coverage option to purchase.
How the Obama Administration rules have impacted availability, and what’s likely to change under the Trump Administration
The Obama Administration’s changes to the definition of short-term health insurance were aimed at “curbing abuse” of short-term plans, as these policies were never intended to serve as a long-term solution to coverage needs. HHS was trying to ensure that they couldn’t continue to be used as a replacement for regular health insurance.
So as of 2017, all new short-term policies were limited to a duration of no more than three months. But that wasn’t being enforced until April 1, 2017, so short-term plans were still being sold for the first three months of 2017 with durations that extend — in many states — to as late as December 31, 2017. That ceased as of April 2017, however, when the new rule enforcement took effect.
But insurers in some areas are allowing people to purchase up to four short-term plans with one application. Each plan has a 90-day duration, and they run consecutively, effectively providing up to 360 days of coverage without having to reapply.
The final rule that the Trump Administration published in August 2018 will reverse the Obama Administration regulations and return to defining short-term plans as durations of less than a year. 364-day plans were available in some areas prior to 2017, although it’s noteworthy that in some areas where they were technically allowed prior to 2017, no insurers were offering them. Availability of plans under the new rules is also likely to vary from one place to another, even in states that don’t place additional restrictions on short-term plans.
And states will still have the authority to limit short-term plans — either prohibiting them altogether or capping their duration at something less than a year.
Keep your ACA-compliant coverage if you can
One other factor to keep in mind: If you’re healthy enough to enroll in a short-term plan and you drop your ACA-compliant coverage to do so, you’re inadvertently harming the ACA-compliant risk pool, and leaving it with sicker enrollees. If a significant number of people do this, the rate increases that we’ve seen for 2017 and 2018 could be exacerbated in future years. If there’s any way you can remain in the ACA-compliant risk pool, we’ll all be better off in the long-run.
Obamacare has made it much easier for a lot of the previously uninsured population – including those who are temporarily uninsured – to obtain high-quality individual health insurance. The law has done a great job of providing considerable financial assistance in the form of cost-sharing subsidies and premium subsidies.
But there are still situations when a short-term policy makes a lot of sense. If you’re choosing between a short-term plan versus being uninsured, and those are your only two options, a short-term plan is absolutely better than being without coverage altogether.