Health insurance has been in the news a great deal as of late. In fact, you have to go back decades before you can remember a time when health insurance has not been one of the more hotly topics in American society. Even with recent advances in health care related legislation, however, many people still find themselves without insurance. This is particularly ironic since the current law of the land mandates that everyone have a comprehensive policy of one sort or another. Many people from all walks of life and from across the country simply find the premiums too expensive to warrant serious consideration. With recent Health Insurance Innovations, however, short-term health insurance has become a viable alternative. Let us look at just a few of the reasons why this is the case.
Lower Premiums Leave More In Your Pocket
Skyrocketing health care premiums in recent years have left many people without insurance. It is not that they don’t want to have some type of protection, it is just they do not see the value given the cost. This is whereand short-term insurance can really be an asset. The premiums are typically much lower than one can find in the health insurance marketplace. One can gain coverage for a period of up to one year, and find that they are covered in more places and with more physicians than they would be under a more comprehensive policy. It is this type of flexibility that many people today are longing for, and it can be found with short term health insurance policies.
Can Purchase Anytime of the Year
The Affordable Care Act ushered in the reality of the open enrollment period. This means that most health insurance plans offered today can only be applied for during a one month window offered each year. If you miss your opportunity this year, you will need to wait until the next open enrollment period before you can ben enrolled in a comprehensive insurance plan. There are some exceptions to this rule, of course, but if you are not in one of those special categories then you will find yourself out of luck.
This is another advantage that short-term health policies can bring to the table. If you find yourself in need of insurance, but you are months away from the next open enrollment period, you can get a short-term policy to help bridge the gap. Available all year long, these policies typically have a much shorter application and acceptance time, so you can get coverage when you need it the most.
Insurance is Important
With health care costs continuing to spiral almost out of control, you do not want to be left without insurance. You also have to live within the reality that you need to find a way to pay for the premiums, which is why short-term policies might just be the solution you have been looking for. If you are reading this, and you find yourself without insurance, consider applying for such a plan today.
Short-term health insurance is typically available nationwide. You will just need to apply and be accepted into a program in your area. Make sure that you following the terms of the policy and then watch your health care related costs decrease as a result.