Find short-term health insurance plans in MT
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Consider the following statistics about health care coverage in Montana:
Average individual ST Premium$90
Average Individual ST Deductible$3,506
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
Montana short term health insurance plans offer health care coverage for an initial coverage period of up to 364 days, with the chance to renew for a total duration of up to 36 months. Montana short term health insurance 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.
Short term health insurance in Montana has some state law requirements to follow as well as federal laws. Some services that are required to be covered according to the state of Montana include:
Keep in mind that you may be excluded from these benefits if you have pre-existing conditions, so make sure to read plan details carefully before purchasing short term health insurance in Montana.
We offer Montana short term health insurance plans provided by leading insurance carriers. Compare Montana 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 Montana, 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 short term health insurance in Montana 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.
Also 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. 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 those limitations, short term health insurance might not be for everyone. If you are seeking to save on health insurance costs in Montana 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.