For individual and family insurance in California, there are two clear types of potential coverage.
The first is long term or "permanent" coverage and the second is short term or "temporary" insurance.
There are definitely times when the latter (or the concept) can make sense so let's walk through short term California health insurance and look at the common questions that people have.
First, let's establish what type of situation short term is designed to address.
Obviously, we're looking at a period of time that shorter in nature.
If your expected period of time MIGHT extend beyond 3 months of need and have other options (ACA, Cobra, etc), short term is probably not the best choice.
A good example of a potential use of short term is having a 3 month waiting period for group health to kick in.
It really comes down to whether we can qualify for permanent coverage outside of Open Enrollment (more detail on short term versus Covered California here).
This is actually a very common use of it. We also get calls from people who are in between jobs and this can be trickier unless you know for sure that you'll have new group coverage in under 3 months.
If we qualify based on health, we can get multiple 3 month short term plans consecutively.
Best to plan for the worst and hope for the best.
If short term looks like it will fit our needs, what are the benefits?
The short term plans are best used for more catastrophic coverage.
They don't address preventative or office visits until a deductible is met.
They work really well for broken legs, car accidents, etc.
And they do that very well.
When you run your quote, you'll see a range of deductibles, coinsurance percentages (amount you pay between the deductible and the max), and max out of pockets to choose from.
These options dictate your pricing.
We're happy to walk through how it works.
Here are some key notes but we're happy to help with any questions at firstname.lastname@example.org
Again, let us know what questions you have.
Here's the deal...we've lost most of our short term plans in the recent past from the market (Cross, Shield, United, and Health Net have all stopped offering short term coverage).
The alternative to Short term plans are ACA plans (through Covered Ca or direct with the carrier - same rates, networks, and plans).
Outside of Open Enrollment, we need a Special Enrollment trigger (usually birth, marriage, move, or loss of qualified coverage).
The advantage is that you can cancel these plans month to month or renew indefinitely so they are much more flexible than the old short term plans.
If we have a Special Enrollment trigger in the last 60 days, those plans make sense (especially if we qualify for a tax credit).
Otherwise, Short term might be our only choice.
If you truly want a short term plan, it's IHC who partners with Anthem Blue Cross right now.
That's the only carrier left. They're partnered with Anthem Blue Cross which adds a level of legitimacy.
They won't show in the current individual/family quote but their plans and rates are available here:
You can always run two separate quotes so compare the two if you like.
Again, the traditional plans mentioned above are hard to beat price wise
which used to be the one true advantage that short term policies offered
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Is there a Kaiser short term health plan?
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We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
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