See health insurance options in California
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Short term health insurance is not offered in California, but you can still buy ACA plans with subsidies
Average individual ST Premium$184
Average Individual ST Deductible$4,195
Average Premium for Individual ACA plans bought on eHealth in 2017 $378
Average Deductible for Individual ACA plans in 2017 from eHealth customers $4,449
New federal regulations for short term health insurance took effect recently. These made significant changes to the nature of short term plans. Some of these include:
Although federal laws allow short term plans to last up to 36 months, many U.S. states chose to maintain or create their own rules regarding short term plans. California short term health plans used to be limited to 185 day terms, but as of 2019, short term health insurance plans in California are no longer available.
California’s bill, SB910, was signed into law in September of 2018 and prohibits sale or renewal of short term health plans in California.
California short term health insurance is no longer available on any exchanges, but you can still get quotes on other types of insurance plans. Get quotes on non-ACA-compliant plans like fixed indemnity and critical illness if you are unable to purchase major medical health insurance in California.
Federal regulations for short term health insurance may allow short term health plans to last for up to 36 months, but if you live in California, there are different regulations regarding short term plans.
With the current laws in place, all you need to know about short term health insurance in California is that it is banned as of January 2019.