In-between jobs? Stuck in a group health insurance waiting period? Outside of open enrollment? These are all great reasons to contact a VanVleet Insurance representative to set up a short-term health insurance policy. Short-term health insurance plans provide you with coverage for a limited period of time, after which you will need to re-apply for more coverage. These policies may be an ideal solution for those only needing coverage for 6 months or less, but should be cautioned against if you don’t have permanent coverage on the horizon. If you think you’ll need coverage for a longer period of time, you may want to look at a standard major medical health insurance option like one of our individual and family health insurance plans.
It is also important to note that short-term health insurance is not considered minimum essential coverage under the Affordable Care Act (aka ACA, healthcare reform, or Obamacare), and even if you enroll in and maintain short-term coverage, you may still be subject to the tax penalty.
Short-term health insurance plans are designed only to protect against unforeseen accidents or illnesses, and therefore typically do not include coverage for preventive care, physicals, immunizations, dental, or vision care. They will also exclude most pre-existing conditions.