Perhaps you are recently unemployed or missed the Individual marketplace open enrollment period. Maybe you have aged off of your parent’s insurance plan or you are waiting for employer benefits to kick in. You could have a job that just doesn’t offer group health insurance coverage. There are plenty of reasons you might be among the millions of Americans in need of short-term insurance.
Features and Benefits:
Up to $1 million in total coverage per period.
A variety of coinsurance and deductible options.
Doctor visit copays on select plans.
Short term health insurance is on average about 50% less than Obamacare (ACA) plans. Call today for a Quote
Short Term Medical Insurance
Product Value and Advantages Short term health insurance is quickly becoming the alternative health plan of choice for individuals and families looking for an affordable option during a temporary life situation, such as being stuck in a 90-day employer waiting period, early retirement, aging off a parents plan, inability to afford COBRA coverage or another life change that leaves you uninsured.
Other Candidates for Short Term Health Insurance
Most industry workers do not receive employer-sponsored health insurance and can make too little to afford an ACA plan, but earn too much to qualify for Medicaid. From a bartender to ride-share driver, the average annual income of these service workers makes them ideal candidates for short term health insurance:
Average Annual Salaries
• Food service worker: $23,269
• Hotel front desk: $25,505
• Car detailer: $19,900
• Retail sales associate: $24,809
• Home health aide: $24,395
• Uber driver: $30,000
National averages based on Glassdoor salary data.
Five Short Term Health Insurance Trends*
1. 61% of short term health plan buyers just need a temporary coverage solution
2. 27% buy short term medical plans because of their affordability
3. 51% of short term health plan buyers say they would be uninsured if not for the availability of short term medical
4. In 2017, the average short term premium was $79 a month for a 30-year old.
5. Comparing deductibles of 2017 short term health plans, the average deductible was $3,434 — $2,658 less than the average deductible for a bronze plan ($6,092)
Healthcare Sharing Ministry Programs…
If you want access to classic healthcare services but don't want to break the bank, we also offer a Health Sharing Ministry Program which will give you and your family access to sharing of classic medical services, and access to FirstHealth network of Doctors and Discount Services, and much more—all for an affordable Monthly Contribution!
*Contributions will vary by Age, State of Residence and Program Tier…