Individual Health Coverage vs. Temporary Health Coverage

Individual health insurance plans can sometimes be a better option for health insurance shoppers, even if the desired coverage may is for a short period of time.

Some examples of the advantages of an typical individual health insurance plan compared to temporary health coverage include:

1.  With typical individual health coverage, you pay as you go and can cancel the policy at any time, whereas with some short term health plans you pay for 30, 90 or even 180 days of health coverage in advance and this prepayment is not prorated if cancelled early.

This is an important factor to consider if you are not sure how long you will be without employer sponsored coverage for example.

2.  Individual health insurance plans typically have much richer coverage and offer other health related benefits and discounts to their members at affordable prices.

Short term health insurance plans make sense if you need coverage immediately, and the period for which you need coverage is not only short but also defined.  If you aren't sure exactly how long you'll need coverage, can wait a few days for you policy to be in-force, and value the richer coverages and benefits, an individual health insurance plan would probably be right for you.

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