Sometimes we go without health insurance because of the fact that we are unaware that there are insurance providers who offer temporary, short term policies that last from 30 to 365 days. Some of the major companies such as Blue Cross Blue Shield, Aetna, Assurance and Humana have short term policies at prices that are competitive with COBRA coverage if you just lost a job and the benefits that go along with it. It only takes a few moments to fill an online form with pertinent information and you will have several quotes, side by side so that you can find a company that offers a plan you can afford with the pertinent coverage. Most short term health insurance providers have a non coverage of preexisting conditions so that will need to be understood. Because long term policies have a one year or two year non coverage of these conditions, and a temporary insurance policy is only valid up to one year, there is not enough time accrued to cover conditions that were diagnosed prior to the onset of the policy. The best thing to do if you are in between jobs or waiting for insurance to ‘kick in’ at a new job is to compare insurance quotes for short term health coverage between several underwriters.
Many policies are even cheaper than COBRA coverage so that you will have affordable health insurance in between permanent coverage. Policies are available for individuals as well as for families and rates are competitive with long term or COBRA rates. Newly graduated students, temporarily unemployed individuals (with or without families) and self employed persons can find affordable rates on health insurance that will provide coverage sometimes on the very same day. With a process that is so fast and easy, there is no reason to wait any longer to find insurance you can afford.