Find short-term health insurance plans in CT
This information is secure
Consider the following statistics about health care coverage in Connecticut:
Average individual ST Premium$144
Average Individual ST Deductible$5,685
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
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 this kind of coverage. Connecticut short term health insurance plans are effectively limited to 6 months, and as of January 2019, short term health insurance in Connecticut is required cover the ten essential health benefits.
eHealth offers free, fast, and accurate quotes for short term plans and other health insurance options. Although short term plans in Connecticut are still legal, options have become limited as many insurance providers have left the market due to stricter regulations on short term health insurance in Connecticut. It’s important to keep in mind that at eHealth, you have plenty of options for both major medical insurance and affordable alternative coverage.
A major appeal of short term health coverage is how affordable it is. The benefits covered by these plans in most states are typically related to emergency care, meaning that they 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 allow people with financial limitations to get some form of coverage. In contrast to most states, Connecticut requires short term health insurance plans to cover many benefits not required of short term plans in most other states. However, such coverage is generally still limited to six months or less.
Purchasing a short term health insurance plan in Connecticut may make you ineligible for any guaranteed issue individual health plans commonly referred to as HIPAA Plans, or a COBRA plan if you recently lost coverage from a group health plan.
Keep in mind that short term plans typically do not cover pre-existing medical conditions. In Connecticut, short term health insurance plans are required to cover pre-existing conditions if the plan is over 6 months in length, but insurance companies in Connecticut generally do not offer plans of that length. Furthermore, in Connecticut, short term health plans are generally not eligible for renewal past 6 months.
Short term health insurance in Connecticut might not be for everyone. If you are seeking to save on health insurance costs in Connecticut 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.