Find short-term health insurance plans in LA
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Consider the following statistics about health care coverage in Louisiana:
Average individual ST Premium$127
Average Individual ST Deductible$4,724
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
Louisiana short term health insurance plans can be a solution for when you're between jobs, waiting for group coverage to start, or need an affordable solution to more traditional health insurance for some time.
Although federal laws allow short term plans to last 364 days with the chance to renew up to 36 months, Louisiana short term health insurance plans have additional state regulations to follow. Louisiana short term health insurance restricts how insurers can exclude enrollees due to pre-existing conditions, namely, look-back periods for pre-existing conditions cannot exceed 12 months. If a plan only lasts 6 months, this look-back period restriction does not apply for Louisiana short term health insurance.
We offer LA residents short term medical insurance plans provided by leading insurance carriers. Compare Louisiana short term health insurance plans and select the plan best suited for your health care needs.
Make sure to read your plan details carefully when shopping for short term health insurance in Louisiana, so you understand that this temporary coverage is different than typical ACA-compliant coverage.
A major appeal of short term 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 Louisiana 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 health plans typically do not cover pre-existing medical conditions or many benefits that more comprehensive plans do, such as the minimum essential benefits that are required for qualified health plans under the Affordable Care Act. In Louisiana, short term plans have terms of no more than six (6) months, the pre-existing condition lookback restriction does not apply. Furthermore, short-term plans generally do not guarantee renewal, so any conditions that develop while you are on a short-term plan may prevent you from renewing or may be excluded from your policy once you renew.
Due to its limitations, short term health insurance might not be for everyone. If you are seeking to save on health insurance costs in Louisiana 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.