Compare Individual Health Insurance vs. Short Term Health Insurance
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| Starting at $90.74/month*** | Starting at $86.47/month**** |
| Individual Health Insurance Get a Quote | Short Term Health Insurance Get a Quote |
Individuals and families whose need for health insurance is expected to last longer than six months. Examples of people who might purchase Individual Health Insurance: - Self employed
- Not covered by your employer
- Working part time
- Retiree not yet eligible for Medicare
- Not employed and unsure when you'll get coverage
| People in transition*. Examples of people who might purchase Short Term Health Insurance: - Between jobs
- Waiting for employer benefits
- A temporary or seasonal employee
- A recent graduate not covered under parent's plan
- A non-U.S. citizen temporarily living in the U.S. (with U.S. address)
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Major Medical Features vary by product selected. | Major Medical Features vary by product selected. |
| Permanent | 6 months or less** |
Guaranteed renewable. | Not renewable. However, if your temporary need continues beyond your policy period, you may apply for a new plan if there have been no significant changes in your health. |
Applications are fully underwritten. Most customers will have a response in less than 48 hours, and many receive an approval on the spot with coverage effective the next day. | Simple application with yes or no questions. Coverage starts as early as the next day. |
Treatment for pre-existing conditions is excluded for the first 12 months** of the plan. Any previous or current health condition or symptom** not fully disclosed on the application will be considered a pre-existing medical condition.. | Treatment for pre-existing conditions is excluded. Any previous or current health condition or symptom** will be considered a pre-existing medical condition that will not be covered under a new plan. There is no continuous coverage between plans** - therefore your new plan will not provide benefits for any condition or symptom which began during a previous plan. |
*If you have a pre-existing condition, Individual Medical plans or COBRA may be a better coverage option.
**Varies by state
***Individual health insurance rate is for illustration only and is based on a 7/1/2012 effective date for Dallas, TX 75217, male age 30 for the CoreMed PPO Plan with a $5000 deductible and a 50% coinsurance. Rate does not include a one-time $20 application fee.
****Short term health insurance rate is for illustration only and is based on a 6/15/2012 effective date for Milwaukee, WI 53212, male age 30 for the Short Term Medical plan with a $5,000 deductible, $2 million lifetime maximum and an 80/20 coinsurance %. Rate does not include a one-time $25 application fee.
Click "Free Online Quote" and enter your information and ZIP code for more information on the specific coverages and rates for your specific state.