Short Term Health Insurance

Get Quotes on Short Term Health Insurance in California

We offer California residents short term health insurance plans provided by top leading insurance carriers.

Short-term plans can help in these situations



Change of employment

Laid off? Job loss?
Get covered while in between
jobs and employee benefits.


Obamacare

Can’t get major medical
coverage? A short-term
plan may help.

Special Circumstances

Need proof of insurance?
A short-term plan can be
quick and affordable.

How Does CA Short Term Health Insurance Work?

California short-term health insurance plans offer health care coverage for a limited period of time (around 1 to 12 months) and are a great solution when you’re between jobs, waiting for group coverage to start, or if you’re a recent college graduate.

Buying a California Short Term Medical Plans

Purchasing a short-term medical insurance plan in California will make you ineligible for any guaranteed issue individual health plans commonly referred to as HIPAA Plans. HIPAA plans are usually very expensive and are generally intended for people with pre-existing medical conditions who would have trouble getting health insurance otherwise. If you wish to maintain your eligibility for HIPAA plans, you should not purchase a short-term plan. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other rights under state law.

Short-term health insurance plans typically do not cover pre-existing medical conditions. The definition of a pre-existing condition varies by state, but, in general, short-term health insurance policies exclude coverage for conditions that have been diagnosed or treated within the previous 3 to 5 years. If you have an existing medical condition, you may want to research whether you can extend your current insurance. Employer-sponsored insurance can be extended under a government-regulated option commonly referred to as COBRA, which you should seriously consider if you have an existing medical condition.

IMPORTANT NOTICE ABOUT SHORT-TERM PLANS

Short-term health insurance plans are not qualified health plans under the Affordable Care Act (ACA or “Obamacare”) and do not meet the coverage and benefit requirements of the ACA. You cannot receive a subsidy (premium tax credit and/or cost-sharing reduction) under the ACA in connection with your purchase of short-term health insurance and may still owe the tax penalty (the individual shared responsibility payment) under the ACA. Some people may qualify for exemptions from the ACA tax penalty.

Short-term health insurance plans are generally less expensive than qualified health plans under the ACA (also called major medical health insurance), but do not offer the same level of coverage. Short-term health insurance plans are intended for people who do not want or cannot afford major medical insurance or who want a temporary form of limited coverage before they obtain major medical health insurance. Among other limitations and exclusions, short term health insurance plans generally do not cover pre-existing conditions (health and other conditions that exist at the time of application) or the minimum essential coverage of the ACA (benefits such as mental healthcare, pregnancy and childbirth, preventive care, etc.).

Short-term health insurance plans are limited in duration by law to a maximum 3-month term. After the plan expires (in 3 months or less), you will stop receiving any benefits under it. You must reapply to receive coverage after the plan expires. If you are accepted for an additional term under a short-term health insurance plan, the plan’s deductible and other amounts reset so that amounts paid (or the satisfaction of conditions) under the initial plan are ignored. Similarly, whether you have pre-existing conditions will be determined anew as of your approval under the new application. Please review your policy terms for the maximum coverage period allowed by the plan you selected. Be aware that insurance companies limit the number of times a short-term insurance policy may be renewed. Some states may restrict your ability to apply for more than one consecutive short-term health insurance plan.

Purchasing a short-term plan will make you ineligible for any guaranteed-issue individual health plans commonly referred to as HIPAA plans. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other rights under state law.

Don’t try and tackle insurance alone!

It’s hard to understand all the intricate details of insurance and what is available by reading about it, which is why we offer free advise and provide insurance education to you without obligation. Please take advantage of our free service and schedule an appointment today.

Contact us and let us be your guide. We provide a no obligation free consultation! We’ve been helping people just like you for over 30 years and feel confident that we can help you make the best decision for yourself regarding your insurance needs.

Call us today for a free quote!   1 (714) 240-5650