I have never been the biggest fan of short-term medical plans. This is for several reasons. These plans do not cover preexisting conditions or preventive care. They cannot be renewed.
With the advent of the Affordable Care Act, I have a new reason not to like them. They are not “creditable” which means that they won’t help you avoid paying a tax penalty.
However, for some they are the only game in town. For this reason I have added this option to our site. If other options are available to you, you should consider them first before enrolling in a short term plan.
If you are not offered coverage from your job or your spouse’s job, do not qualify for HUSKY/Medicaid, and have missed the open enrollment deadline a short-term health plan may be your only option. However, if, within the last 60 days, you have lost coverage, gotten married, gotten divorced, lost eligibility for HUSKY or moved to Connecticut you may qualify to buy outside the open enrollment period. Other exceptions apply so call us for more information.
If you do decide to enroll in a short-term policy please take advantage of the next open enrollment period to upgrade to a policy that does meet the Affordable Care Act standards. Open enrollment starts on October 15th and ends on December 7th. Call us for rates. You may be eligible for a policy that is both less expensive and that offers better coverage.