Find short-term health insurance plans in ID
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Consider the following statistics about health care coverage in Idaho:
Average individual ST Premium$75
Average Individual ST Deductible$3,607
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
Idaho short term health insurance plans offer health care coverage for a limited period of time ( up to 364 days with no renewals permitted) 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. Idaho law also requires that short term policies include a nonrenewal provision disclosure, so that enrollees are aware of the limitations of short term health insurance in Idaho.
Idaho short term health insurance coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.
We offer ID residents short term medical insurance plans provided by leading insurance carriers. Compare Idaho short term health insurance plans and select the plan best suited for your health care needs.
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. A few things to consider when shopping for Idaho short term health plans:
Due to those limitations, short term health insurance might not be for everyone. If you are seeking to save on health insurance costs in Idaho 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.