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Shop Smart For Short Term Medical Plans.
Don't let a transitional period in your life stop you from getting the health insurance you need. At Smart Insurance IQ, we understand that times of change can be hard, so we help you to find affordable health insurance plans to make sure you're always taken care of.
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Frequently Asked Questions
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How do I know if a short term plan is the right health insurance choice for me?
Short term medical insurance, also called temporary health insurance or term health insurance, can provide a temporary solution to help fill gaps in coverage. Consider short term if you're:
- Between jobs
- Waiting for other coverage to begin
- Waiting to be eligible for Medicare coverage
- Without health insurance, outside of Open Enrollment
For these situations and more where you are stuck in a coverage gap, finding the best Short Term health insurance plan you can may be just the right solution for you.
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Does short term health insurance provide coverage for preexisting conditions?
No. In most cases short term insurance plans do not cover preexisting conditions, which depending on your state’s definition would mean something you received diagnosis or treatment for within the last 2 to 5 years. If you are in this situation, you may want to explore other options or see if you can extend your current insurance plan.
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Do short term plans meet federal requirements of the Affordable Care Act (ACA)?
No. This coverage is not “minimum essential coverage” as defined by the ACA. The federal tax penalty for not having minimum essential coverage no longer applies as of January 31, 2019. However, tax penalties may still exist at the state level. Consult your tax advisor for more information.
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Can I renew this type of health insurance coverage?
Usually not. If you need coverage for longer, you may be able to apply for another short term insurance plan.2 Some states will also allow you to purchase back-to-back plans for longer coverage. However, for any subsequent plan, whatever you received treatment for under a preceding plan will be considered a preexisting condition in most cases.
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What if I don’t need my temporary insurance coverage for as long as I had planned?
Short term health insurance plans can be cancelled at any time without penalty.
If you need coverage for longer, you may be able to apply for another short term insurance plan.2 However, for any subsequent plan, whatever you received treatment for under a preceding plan will be considered a preexisting condition.