A temporary health insurance plan is short term health insurance designed to meet temporary medical insurance needs of people who are temporarily without health insurance. This type of health insurance is an affordable option designed specifically for short periods of time. Coverage can become effective as early as the next day or a future date which you specify. It can be purchased for periods as short as 30 days or up to 12 months (as of October 2, 2018), and renewed up to 36 months; specific duration's vary by state. The premium may be paid in one single payment or easy monthly installments.
Temporary health insurance plans are intended as interim or "gap" coverage, i.e., for people who know that they will have standard, long-term coverage (or coverage through an employer) at a future date. Temporary health insurance should NOT be used as a substitute for standard, long-term health insurance. Short term medical insurance plans are designed to provide protection from unforeseen illness or injury; they are not meant to cover routine exams, preventive care, maternity, dental or eye care, or immunizations.
Temporary health insurance plans are exempt from Patient Protection and Affordable Care Act (commonly called PPACA OR ACA) legislation. In other words, when issuing a short term health insurance policy, insurance carriers do not have to guarantee renewal, guarantee issue, or waive the pre-existing condition limitation for eligible individuals, as well as they lack the minimal essential benefits required by the PPACA (or ACA) legislation.
Top temporary health insurance plans are quality, affordable temporary insurance plans designed specifically for healthy people who are temporarily without health insurance.
Many young people think they are healthy and that they will be fine without health insurance when it's only for a short duration and that nothing could happen to them during that short time. But, the reality is the unexpected happens everyday. Someone falls down the stairs, gets injured in a car accident or develops a sudden illness. In a single moment, your world can change... that's why you need Temporary Health Insurance.
Temporary health insurance plans provide coverage for a limited time frame only. At the end of that duration, you may or may not be able to buy additional health insurance, depending on state regulations and your health at that point in time.
No short term health insurance plans from any company are available in the states of NJ and NY, as these states don't allow it.