SHORT-TERM HEALTH INSURANCE
Why Short-Term Health Plans Aren't Always What They Seem
Short-term health insurance is often marketed as a quick, low-cost fix, but many of these plans don't include a true annual out-of-pocket maximum. That means a serious illness or accident could leave you with unlimited medical bills. Before you consider a short-term plan, let's talk. I'll walk you through real alternat
Short-Term Health Insurance
The Hidden Risk: No True Out-of-Pocket Maximum
Short-term health insurance is temporary, medically underwritten coverage meant to fill a gap between other plans. It can look appealing because the monthly premium is usually lower than a full major medical plan.
But here's what many people don't realize: most short-term plans don't include a true annual out-of-pocket maximum like ACA-compliant plans are required to have. Without that cap, a single serious illness, surgery, or hospital stay could result in costs that keep adding up with no limit, even after your plan has paid its share.
As an independent broker, I don't sell short-term plans. Instead, I help people compare real, fully protective options, including ACA marketplace and private major medical plans, so you know exactly what you're getting before you commit to anything. Call me before you buy a short-term plan so we can look at what actually protects you.
What to Know Before You Consider a Short-Term Plan
No Out-of-Pocket Maximum
Medical Underwriting Required
Medical Underwriting Required
Most short-term plans don't cap your annual out-of-pocket costs, so a major medical event could result in bills that keep adding up with no ceiling.
Medical Underwriting Required
Medical Underwriting Required
Medical Underwriting Required
Short-term plans typically require you to answer health questions, and coverage can be denied or limited based on your medical history.
Limited or No Preventive Care
Medical Underwriting Required
Pre-Existing Conditions Excluded
Unlike ACA-compliant plans, many short-term plans don't include routine preventive services, so everyday checkups may come out of your own pocket.
Pre-Existing Conditions Excluded
Better Alternatives May Cost Less Than You Think
Pre-Existing Conditions Excluded
Short-term plans generally don't cover pre-existing conditions, so ongoing health issues may not be protected at all.
Coverage Gaps at Renewal
Better Alternatives May Cost Less Than You Think
Better Alternatives May Cost Less Than You Think
Some short-term plans require you to reapply at the end of the term, and approval isn't guaranteed, which can leave you without coverage.
Better Alternatives May Cost Less Than You Think
Better Alternatives May Cost Less Than You Think
Better Alternatives May Cost Less Than You Think
ACA marketplace and private major medical plans often cost less than people expect, especially with subsidies. Call me for a free comparison before choosing a short-term plan.