Healthcare Insurance

Healthcare Insurance is the insurance that covers the whole or a part of the risk of a person incurring medical expenses. By estimating the overall risk of health care and health system expenses, among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity. According to the Health Insurance Association of America, health insurance is defined as “coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment

Types of Options:

Short Term Health Insurance: Short Term insurance may be for you if you’re…

  • Unable to apply for Affordable Care Act (ACA), also called Obamacare, coverage because you missed Open Enrollment and you don’t qualify for Special Enrollment
  • Waiting for your ACA coverage to start
  • Looking for coverage to bridge you to Medicare
  • Turning 26 and coming off your parent’s insurance
  • Between jobs or waiting for benefits to begin at your new job
  • Healthy and under 65

For these situations and many others, Short Term health insurance, also called Temporary health insurance or Term health insurance, might be right for you.  It can fill that gap in coverage until you can choose a longer term solution.

Healthcare Insurance? We Can Help You!