Unless you qualify for a special enrollment period, the only time to purchase individual health insurance is during Open Enrollment. But what do you do if you’ve missed that?
While you may not be able to enroll in a plan through the Affordable Care Act, there are many short-term options available to you. Depending on your needs, these plans can cover anything from accidents and emergency room visits to standard doctor’s visits.
It’s important to note that, because these plans are not ACA-certified, they will not cover any pre-existing conditions, and you will have to answer some medical questions at the time of application. Additionally, waiting periods for certain services can apply.
Short-term isn’t a replacement for an individual or group ACA plan, but it is a great solution for those wanting to fill a gap in coverage.