Find short-term health insurance plans in IA
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Consider the following statistics about health care coverage in Iowa:
Average individual ST Premium$90
Average Individual ST Deductible$4,902
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 short term plans. Iowa generally follows federal laws for short term health insurance plans, but there have been proposals in Iowa for short-term plans over 90 days to provide more coverage than the federal laws require.
At eHealth you can get quotes on Iowa short term health insurance in from insurers in Iowa. Compare Iowa short term health insurance plans and select the plan best suited for your health care needs. You can also use eHealth to compare and purchase other types of health insurance if you find that short term health insurance in Iowa is not right for you.
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.
Purchasing a short term health insurance plan in Iowa 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 while Iowa short term health insurance lasting longer than 90 days does require certain minimum essential benefits, you will likely not have the same amount of coverage as you might with qualified health plans, or more traditional health insurance. Furthermore, short term plans in Iowa (even those lasting over 90 days) do not have regulations that guarantee renewal. It is important to keep this in mind while shopping for short term plans in Iowa.
Due to those limitations, short term plans might not be for everyone. If you are seeking to save on health insurance costs in Iowa and only need minimal coverage, short term coverage can be a great 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.