How to enroll in the best short term health insurance in 3 easy steps

January 1, 2010


MedSave.com's policy-picker:

Short term health insurance can be a huge money saver if you know that the risks and limitations are not likely to be a problem.  Follow the three steps below to find the policy that best suits your needs.

  Step 1 - Make sure that you are eligible

Step 2  - Consider Special Circumstances

Step 3 - Get Pricing and Apply Online  

STEP 1.  Make sure that you are eligible

Short term health insurance is not available to everyone.  Health insurance laws in each state regulate the availability of this coverage. 

An applicant for short term health insurance must meet all five of these criteria:

    1) be under age 65

    2) have a social security number or taxpayer identification number

    3) have a residence street address in any state other than MA, NJ, NY, or VT.  (A temporary address is permissible.  The application must include a street address.  P.O. Boxes are not allowed on an insurance application but the issued policy may be mailed to a P. O. Box address specified in the delivery instructions).

    4) may not have any of the following medical conditions:

  • pregnancy
  • hepatitis
  • AIDS
  • tested positive for HIV
  • stroke
  • insulin-dependant diabetes
  • cancer or tumor
  • chemical dependency
  • drug or alcohol abuse

    5)  may not be covered by other overlapping health insurance (other than supplemental insurance)

IF YOU ARE NOT ELIGIBLE  -  consider the following options:

1) Guaranteed issued state-mandate open enrollment health plans are available to all applicants who reside in the state.  This insurance plan is usually very expensive.  For details, contact your state insurance department and ask for open enrollment plans.  A listing of state insurance department phone numbers and websites can be found at http://www.medsave.com/license.htm .

2) Basic Health Insurance allows almost all applicants in the states where it is available.  This is limited benefit coverage, but better than no insurance coverage at all.  See www.BasicHealthInsurance.net for details.

3)  As a last resort, consider an non-insurance plan.  If you are going to be paying for medical care "out-of-pocket", then at least be sure that you will pay the lowest price possible for medical services by using a good Preferred Provider Network discount pricing plan.  Without a PPO plan, cash-paying patients usually are charged the highest rates by doctors and hospitals.  See www.ehealthdiscountplan.com for details.


continue to Step 2

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