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Compare Individual Health vs. Short Term Health Insurance

Individual Health Insurance

Short Term Health Insurance

Cost

Lower than CA group plans Lowest cost - limited coverage
Individual Health Insurance
Short Term Health Insurance

Most appropriate for

Individuals and families whose need for health insurance is expected to last longer than six months.

Examples of people who might purchase Individual Health Insurance:

  • Self employed
  • Not covered by your employer
  • Working part time
  • Retiree not yet eligible for Medicare
  • Not employed and unsure when you'll get coverage

People in transition.

Examples of people who might purchase Short Term Health Insurance:

  • Between jobs
  • Seeking a less expensive alternative to COBRA
  • Waiting for employer benefits
  • A temporary or seasonal employee
  • A recent graduate about to start a new job

Type of coverage

Major Medical Features vary by product selected. Choose from HMO, PPO or HSA

Major Medical PPO only with deductibles and co-insurance.

Length of coverage

Permanent up to age 65. 6 months or less (under age 65).

Renewability

Rate changes may happen, but your policy is guaranteed renewable.

Not renewable. However, if your temporary need continues beyond your policy period, you may apply for a new plan if there have been no significant changes in your health.

Application

Applications are fully underwritten, therefore expect 2-8 weeks for a decision. If the carrier requests doctor records, then expect 8 weeks. In CA, the carrier may decline a family member based on height/weight or medical history.

Simple application with only a few yes or no health questions. Accepted if all no answers, but declined if any yes answers. Coverage starts as early as the next day after your application is received by the carrier.

Pre-existing condition limitation

Treatment for pre-existing conditions is excluded for the first 12 months of the plan. Any previous or current health condition or symptom not fully disclosed on the application will be considered a pre-existing medical condition.

Treatment for pre-existing conditions is excluded. Any previous or current health condition or symptom will be considered a pre-existing medical condition that will not be covered under a new plan. There is no continuous coverage between plans - therefore your new plan will not provide benefits for any condition or symptom which began during a previous plan.