Find short-term health insurance plans in OR
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Consider the following statistics about health care coverage in Oregon:
Average individual ST Premium$108
Average Individual ST Deductible$4,336
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
New federal regulations for short term health insurance took effect recently. These made significant changes to the nature of short term plans. Some of these include:
Although federal laws allow short term plans to last up to 36 months (including renewals), many U.S. states chose to maintain or create their own rules regarding short term plans. Short term health insurance plans in Oregon follow Oregon’s limitations, which are different than the federal rules.
The federal limits on duration and renewal for short term plans do not apply to short term health insurance sold in Oregon. According to the state of Oregon, "It is a violation of Oregon law to market, sell, or offer short-term health insurance policies that exceed three months, including renewals, and a new policy cannot be issued to a customer within 60 days of expiration".
We offer OR residents short term medical insurance plans provided by leading insurance carriers. Compare Oregon 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 who might not be able to afford more comprehensive health insurance plans.
Purchasing a short term health insurance plan in Oregon 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 Oregon 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.