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Short Term Health Insurance Coverage Limits in all States

What is a Short Term Health Plan?

Short Term Health plans are insurnace plans that do not follow the ACA (Affordable Care Act) plans rules. One major different between the ACA plans and Short Term Health plans is the coverage on pre-existing conditions. For example, Short Term Plans wont cover any disease or illness that was diagnosed prior to the plan effectuation. Pregnancy and labor are another exclusion on coverage from short term health plans. 

Who can benefit from Short Term Health Plans?

Short-term health insurance can be a good option for individuals who are healthy and do not generally require health services or have regular prescription needs. Short-term health insurance is often worth it for those who want a health plan in case of emergency or need immediate coverage.

Also, Short Term Health plans can be great for indivuduals who missed the open enrollement period and do not have a QLE (Qualifying life event) to enroll in an ACA plan from the marketplace. 

One great advantage about Short Term Health plan, is the open network  or PPO networks. Most of the plans that we offer have open network of proivders. This means that you can use your health plan with no restrictions. Below are three short term health plans insurance carriers that offer great coverages. Each of these carries have the flexibility to edit and adjust the deductible, coverage limit, and out ot pcoket expenses. 

What states ban Short Term Health Plans?

The states listed below have banned Short Term Plans to be sold. If you have a Short Term Health plan from another state, you can still see providers in these states and use the plan. For example, if you live in Texas and you ahve purchased a a Short Term Health Plan from National General with Aetna PPO network, you can still use the plan in New York. If you live in one of the states that ban short term health plan, contact us to help you find the appropriate health coverage. 

Short Term Health Coverage Limit by State:

UHC
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Alabama

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

Alaska

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

Arizona

Up to 364 days of coverage, and reapply is allowed for an additional 36 months.

Arkansas

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

Delaware

Up to 90-days of coverage allowed with no re-application during any 364-day period.

District of Columbia

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

Florida

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

Georgia

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

Idaho

Up to 364 days of coverage with no re-application during the 365 day period the 180 day policy was purchased in. There must also be a 60 day wait if insured wants to purchase a second policy from the same insurance company.

Illinois

 Up to 180 days of coverage with no re-application during the 365 day period the 180 day policy was purchased in. There must also be a 60 day wait if insured wants to purchase a second policy from the same insurance company.

Indiana

Up to 180 days of coverage with the ability to reapply for additional policies for up to 36 months.

Iowa

 Up to 180 days of coverage with no re-application during the 365 day period the 180 day policy was purchased in. There must also be a 60 day wait if insured wants to purchase a second policy from the same insurance company.

Kansas

Up to 364 days of coverage with the ability to reapply for additional policies for up to 24 months.

Kentucky

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

Louisiana

Up to 180 days of coverage with the ability to reapply for additional policies for up to 36 months.

Maine

Up to 364 days of coverage with the ability to reapply for additional policies for up to 24 months.

Maryland

Up to 90-days of coverage allowed with no re-application once the 90-day policy has expired.

Michigan

Up to 185 days of coverage with no re-application during a 365-day period once the 185-day policy has expired.

Minnesota

Up to 185 days of coverage. Reapplication is allowed but the time enrolled in a short term plan can’t exceed a total of 365 days during any 555-day period.

Mississippi

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

Missouri

Up to 180 days of coverage with the ability to reapply for additional policies for up to 36 months.

Montana

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

Nebraska

 Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

Nevada

Up to 185 days of coverage with no re-application during that same calendar year once the 185-day policy has expired.

New Hampshire

Up to 180 days of coverage. Additional coverage for two six-month periods is allowed twice for up to 18-months of coverage.

New Mexico

Up to 90 days of coverage with no re-application allowed. In addition, an individual cannot apply if they had short term health insurance coverage in the previous 12 months

North Carolina

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

North Dakota

Up to 185 days of coverage with the ability to reapply once during the 12 months of coverage..

Ohio

Up to 185 days of coverage with the ability to reapply once during the 12 months of coverage.

Oklahoma

Up to 364 days of coverage and is not renewable.

Oregon

Up to 90 days of coverage is allowed. Then, there must be a 60-day break before an individual can enroll in a new short term health insurance plan.

Pennsylvania

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

South Carolina

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

South Dakota

Up to 185 days of coverage and is not renewable.

Tennessee

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

Texas

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

Utah

Up to 363 days of coverage with no renewal.

Virginia

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

West Virginia

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months. There must be a 63 day break between policies if purchasing a group association plan.

Wisconsin

Up to 364 days of coverage with the ability to reapply for additional policies for up to 18 months of consecutive coverage. Then, the individual must take a 64-day break before re-apply again.

Wyoming

Up to 364 days of coverage with the ability to reapply for additional policies for up to 36 months.

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