Connecticut Short Term Health Insurance Plans

Connecticut short term health insurance plans are extremely affordable and are the perfect fit for families or individuals that need medical benefits for less than 12 months. Short term plans are mostly used in situations where you are not working (perhaps temporarily), have lost your job, have just graduated from college or another school or simply want cheap health care for a limited amount of time.

Short term affordable health insurance in Connecticut can be purchased from many of the large insurers in the state. We quickly help you find the lowest rate so you can apply for coverage and get covered. The “Quote” section near the top of this page provides an easy method to view and compare your best choices and secure a policy as quickly as possible.

Since temporary plans are very flexible, you can cancel coverage very quickly. Thus, if you purchased a 6-month policy and are paying by the month, you are not obligated to keep the policy for the full duration. Completed an application can take less than 15 minutes and often coverage is approved immediately or within a day or so. Premiums (see two paragraphs below) are very affordable.

The CT health insurers that offer the most competitive rates for this type of coverage include UnitedHealthOne, HCC Life and Celtic. Rates will vary depending on many variables including date of birth, zip code, deductible and health conditions. But rates are always less expensive than other types of medical coverage, especially policies that include unlimited office visit benefits.

For example, a married couple in the Hartford area (Both 40 years old and healthy) would pay only $84 per month for coverage (UnitedHealthOne Medical Value & Medical Plus plans at $10,000 & 5,000 deductibles respectively). A $2,500 deductible for the “Medical Value” plan would only increase the rate to $104. Other fees may apply to the policy and it is always wise to read about benefits and exclusions.

Connecticut Short Term Health Insurance Coverage

A stated deductible usually applies to all claims. If there is more than one person named on the policy, multiple deductibles will apply. Coinsurance is typically 20% or 50% and prescriptions and office visits are generally not covered or subject to the deductible. Many companies, including UnitedHealthOne, provide a discount card that will slightly reduce the cost of some prescriptions. Pre-existing conditions are generally not covered, even if not mentioned on the initial application. However, there will not be many medical questions to answer either on an online or hard-copy application.

The lifetime benefits cap is typically $500,000 or $1million. Although the “Affordable Care Act” eliminated lifetime maximum caps, short-term plans are exempt from that requirement. Essentially, Connecticut short term health insurance plans are designed to be kept on a temporary basis, so benefits will not be identical to other personal or group comprehensive policies.

It is not advisable to keep these plans longer than a year. Most companies will require you to re-apply for a new plan once a current policy has expired. Since you have to prove insurability, it’s possible that a serious medical condition that arises can keep you from obtaining additional coverage.

Get your free Connecticut short-term quote today. We have created a quote section at the top of the page.