We still routinely get calls from people who need to get health insurance but are not aware that Obamacare plans simply aren’t available all year.
Often these people would have qualified for a special enrollment period due to moving or losing employer-based coverage, but the 60-day window has closed. What are your options?
Short-Term Health Insurance
The only way to get health insurance outside of Obamacare is to purchase a short-term health insurance plan.
Short-term coverage can give you the safety net you need for the remainder of 2018. While you won’t get coverage for pre-existing conditions and preventive care, you’ll have solid catastrophic protection against unexpected major expenses. And, after all, that’s the point of insurance, right?
In some circles, short-term health insurance is disparaged because it doesn’t include a lot of bells and whistles. But the catastrophic protection is solid and secure, and the price is significantly cheaper than a non-subsidized Obamacare plan.
How to Get Short-Term Health Insurance
Here’s more good news: Because of its simplicity, enrolling in a short-term health insurance plan only takes a few minutes and you could have coverage as soon as tomorrow.
You’ll answer a few yes/no questions regarding your current and past health.
(If you can’t make it through these knockout questions, there is a “guaranteed issue” version of this policy, meaning you can get it regardless of your health history. Just know that your pre-existing conditions still aren’t covered and that you’ll pay a bit more for the policy).
You’ll find deductible options (what you pay) ranging from $1,000 to $25,000. Most people select $2,500 or $5,000.
Go take a look! And let us know what questions you have.