Elite Health Insurance Broker
Short Term Medical

Short Term Medical Insurance

Short term medical plans are popular health insurance policies that can provide coverage from 1 month to 3 years. They often have large national networks of doctors and are a lower cost option because they are designed for healthy individuals and families.

Short Term Medical Quote

Short term medical policies are available based on the laws and regulations in the State you live in. There are many plans to choose from that offer a lower cost option based on your health instead of your income. I am more than happy to help you find the best short term medical plan for you.

Buy Short Term Medical Online

There are many health insurance companies that offer short term medical plans. However, one of the best for coverage, price, and national PPO network of doctors is National General. . The link below allows you to shop short term medical plans with National General. If you want a different company, please contact me.

Common Short Term Medical Questions

What is short term medical insurance?

Short term medical insurance policies range from 1 month to 3 years of coverage. They don’t follow the calendar year, instead they are written for a predetermined length of time; if you need coverage for longer then you renew the policy or shop for a different plan.

Why are they called short term?

When the Affordable Care Act (Obamacare) first became law, the short term medical plans were limited to only 3 month terms and designed to be temporary coverage until your next opportunity to enroll into an Affordable Care Act policy. That law has changed to allow terms up to 12 months and for periods as long as 3 years.

Are short term medical plans part of Obamacare?

Yes and No. When the Affordable Care Act (Obamacare) was put into law, it regulated and put a lot of attention on short term medical policies; however, short term medical policies are not a “qualified health plan” as defined by the Affordable Care Act.

Do short term medical policies cover pre-existing conditions?

Usually not. There are some exceptions for minor conditions and/or after a certain period of time; but generally coverage for all pre-existing conditions is excluded.

What is a pre-existing condition?

Anything on your medical history or any signs or symptoms you have had prior to the effective date of the policy might be considered a pre-existing condition. Usually injuries and sickness are one-time events and not considered a pre-existing if completely recovered.

What is on-exchange and off-exchange?

On-exchange is referring to purchasing a policy through the marketplace. Off-exchange is referring to purchasing a policy outside of the marketplace. There are many different types of policies that are off-exchange, so be careful. However, some carriers do allow you to purchase the same ACA-compliant policy both on- and off-exchange. If the plan is the same, then there is no difference in whether it’s purchased on- or off-change.

Will I get in trouble for having a short term medical plan?

You won’t get in trouble for it. As long as it’s an actual insurance policy, it is regulated by State insurance laws and on file with the State Insurance Commissioner. Some States have created a tax penalty if you don’t have a “qualifying health plan” as defined by politicians, but most States have not done this.

Can I have a short term medical plan instead of a major medical marketplace plan?

Yes, as long as they are available in your area. Not all States have short term medical plans available. If a short term medical plan is a good fit for you, a lot of people use them as a lower cost alternative to a major medical marketplace plan.