Compare Individual Health Insurance vs. Short Term Health Insurance
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| Starting at $120.88/month*** |
Starting at $62.09/month**** |
| Individual Health Insurance Get a Quote |
Short Term Health Insurance Get a Quote |
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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
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People in transition.
Examples of people who might purchase Short Term Health Insurance:
- Between jobs
- Seeking a less expensive alternative to COBRA*
- Waiting for employer benefits
- A temporary or seasonal employee
- A recent graduate about to start a new job
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Major Medical Features vary by product selected. |
Major Medical Features vary by product selected. |
| Permanent |
6 months or less** |
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Guaranteed renewable. Rate changes may apply every 12, 24 or 36 months, depending on the plan selected. |
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. |
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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. |
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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 purchase Short Term Medical rather than maintaining COBRA coverage, you may give up your rights to coverage for pre-existing conditions or guaranteed health insurance in the future.
**Varies by state
***Premiums shown are for a $2,000 deductible, $2 million lifetime maximum, 80/20 rate of payment, in 60614 ZIP code (Chicago, IL). Single: 32-yr-old; Family: +32-yr-old spouse & 1 dependent with an effective date of 7/1/2009. Preferred rates are subject to underwriting. Click here for more information on the parameters of our individual Health Insurance Plans.
****Premiums shown are for a $2500 deductible, $2 million lifetime maximum, 80/20 rate of payment, in 60614 ZIP code (Chicago, IL). Single: 32-yr-old primary insured; Family: 32-yr-old primary insured +32-yr-old spouse & 1 dependent with an effective date of 7/1/2009. Preferred rates are subject to underwriting.