Short term health insurance plans have gained popularity in recent years because of their affordability and flexibility. These plans are ideal for individuals who need temporary coverage, such as those who are between jobs, waiting for employer-provided coverage to start, or are no longer eligible for coverage under their parents’ plan. In this article, we will discuss the best short term health insurance options available in the market.
What is Short Term Health Insurance?
Short term health insurance plans are designed to provide temporary health coverage for individuals who need it. These plans usually last for a few months up to a year, and they are ideal for individuals who need coverage immediately but cannot afford or do not want to commit to a long-term plan.
Short term health insurance plans are highly customizable, and policyholders can tailor their plans to suit their needs. For example, they can choose their deductible, copayment, and coinsurance amounts, as well as the length of their coverage.
The Best Short Term Health Insurance Plans
There are plenty of short term health insurance plans available in the market, but not all of them are created equal. We have put together a list of the best short term health insurance plans based on their affordability, coverage, and reputation.
Plan Name |
Coverage |
Deductible |
Coinsurance |
Copayment |
National General |
Up to $1 million |
$1,000 – $10,000 |
20% – 50% |
$35 – $75 |
UnitedHealthcare |
Up to $1 million |
$1,000 – $10,000 |
20% – 50% |
$35 – $75 |
Pivot Health |
Up to $2 million |
$1,000 – $10,000 |
20% – 50% |
$35 – $75 |
Everest |
Up to $1 million |
$1,000 – $10,000 |
20% – 50% |
$35 – $75 |
The above table shows some of the best short term health insurance plans available in the market. National General, UnitedHealthcare, Pivot Health, and Everest are highly recommended because of their affordable rates and comprehensive coverage.
National General
National General offers short term health insurance plans that are highly customizable and tailored to meet the needs of individual policyholders. Policyholders can choose from a range of deductibles, copayments, and coinsurance amounts to create a plan that works for them.
National General also offers optional add-ons, such as prescription drug coverage and accidental injury benefits, to further enhance its short term health insurance plans. Additionally, policyholders have access to a large network of healthcare providers, which ensures that they can receive care from the provider of their choice.
UnitedHealthcare
UnitedHealthcare offers short term health insurance plans that are designed to provide comprehensive coverage at an affordable price. Policyholders can choose from a range of deductibles, copayments, and coinsurance amounts to create a plan that works for them.
UnitedHealthcare also offers optional add-ons, such as dental and vision coverage, to further enhance its short term health insurance plans. Additionally, policyholders have access to a large network of healthcare providers, which ensures that they can receive care from the provider of their choice.
Pivot Health
Pivot Health offers short term health insurance plans that are designed to provide comprehensive coverage at an affordable price. Policyholders can choose from a range of deductibles, copayments, and coinsurance amounts to create a plan that works for them.
Pivot Health also offers optional add-ons, such as dental and vision coverage, to further enhance its short term health insurance plans. Additionally, policyholders have access to a large network of healthcare providers, which ensures that they can receive care from the provider of their choice.
Everest
Everest offers short term health insurance plans that are designed to provide comprehensive coverage at an affordable price. Policyholders can choose from a range of deductibles, copayments, and coinsurance amounts to create a plan that works for them.
Everest also offers optional add-ons, such as dental and vision coverage, to further enhance its short term health insurance plans. Additionally, policyholders have access to a large network of healthcare providers, which ensures that they can receive care from the provider of their choice.
Frequently Asked Questions
What is covered by short term health insurance?
Short term health insurance plans usually cover doctor visits, hospital stays, and emergency medical care. These plans may also cover prescription drugs, diagnostic tests, and some preventive care services. However, the coverage varies depending on the policy, so it is important to review the plan’s coverage details carefully.
How long does short term health insurance last?
Short term health insurance plans usually last for a few months up to a year. However, some states have stricter regulations on short term health insurance plans, and policyholders may not be able to renew their plans after a certain period.
Is short term health insurance affordable?
Short term health insurance plans are generally more affordable than traditional health insurance plans, which makes them a popular option for individuals who cannot afford or do not want to commit to a long-term plan.
Do I need short term health insurance?
Short term health insurance plans are ideal for individuals who need temporary coverage, such as those who are between jobs, waiting for employer-provided coverage to start, or are no longer eligible for coverage under their parents’ plan. However, short term health insurance plans may not be suitable for individuals with pre-existing conditions or those who require long-term coverage.
How do I choose the best short term health insurance plan for me?
To choose the best short term health insurance plan for you, you need to consider your healthcare needs and budget. You should review the plan’s coverage details, deductibles, copayments, and coinsurance amounts carefully to ensure that the plan meets your needs. You should also compare plans from different providers to find the most affordable option.
Conclusion
Short term health insurance plans are a great option for individuals who need temporary coverage. National General, UnitedHealthcare, Pivot Health, and Everest are some of the best short term health insurance plans available in the market. However, it is important to review the plan’s coverage details and compare plans from different providers to find the most affordable and comprehensive option.
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