Find short-term health insurance plans in CO
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Consider the following statistics about health care coverage in Colorado:
Average individual ST Premium$83
Average Individual ST Deductible$3,835
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
Colorado short term health insurance plans offer health care coverage for a limited period of time (up to 6 months, beginning in 2019) and can be a great solution when you're between jobs, waiting for group coverage to start, or need an affordable solution to more traditional health insurance for some time. Beginning April 2019, some new regulations for Colorado short term plans include:
A Colorado short term health insurance policy does not provide portability of coverage. As a result, any injury, sickness, or pregnancy for which you have incurred charges, received medical treatment, consulted a health care professional, or taken prescription drugs within twelve months before the effective date of a Colorado short term health insurance policy will not be covered under that policy.
When comparing quotes on Colorado short term health insurance, make sure to read your plan details carefully when shopping for short term health insurance in Colorado, so you understand that this temporary coverage is different than typical ACA-compliant coverage.
Due to changes in laws, many insurers are leaving the market for short term health insurance in Colorado. If you find that plans are limited, you can seek alternative forms of coverage through eHealth.
A major appeal of short term health coverage is how affordable it is. The benefits covered by short terms plans are typically related to emergency care, meaning that these plans may work well for those who don’t require regular medical care, such as frequent visits to the doctor or expensive prescriptions. Although these plans do not have as many benefits as major medical health insurance, they provide some coverage that’s still affordable for many people. Keep in mind some key facts about short term in Colorado:
Due to those limitations, short term health insurance might not be for everyone. If you are seeking to save on health insurance costs in Colorado and only need minimal coverage, short term can be a good option, but make sure to take the risks and your own health care needs into account when it comes to choosing your health insurance plan.