Short Term Health Insurance in Florida: Everything You Need to Know

If you are in need of health insurance quickly, short term health insurance may be a good option for you. Short term health insurance is a temporary insurance policy that provides coverage for a limited period of time. In this article, we will discuss everything you need to know about short term health insurance in Florida.

What Is Short Term Health Insurance?

Short term health insurance is a type of health insurance coverage that provides temporary coverage for a limited period of time. It is typically used as a short-term solution for people who are between jobs, waiting for other health insurance coverage to start, or who simply need insurance for a short period of time.

Short term health insurance policies are typically less expensive than traditional health insurance policies, but they also provide less comprehensive coverage. Short term health insurance policies are not required to comply with the Affordable Care Act (ACA) regulations, which means they do not have to cover pre-existing conditions or provide essential health benefits.

Who Is Eligible for Short Term Health Insurance in Florida?

In Florida, short term health insurance policies are available to anyone who meets the eligibility requirements. To be eligible for short term health insurance, you must:

• Be under the age of 65
• Not be eligible for Medicare
• Not have any pre-existing conditions

Short term health insurance policies in Florida can provide coverage for up to 364 days, and may be renewed for up to 36 months in certain circumstances.

What Does Short Term Health Insurance Cover?

Short term health insurance policies in Florida typically provide coverage for the following:

• Doctor visits and hospital stays
• Emergency care
• Prescription drugs
• Limited mental health services
• Limited preventive care services

It is important to note that short term health insurance policies do not cover pre-existing conditions, maternity care, or other essential health benefits required by the ACA.

How Much Does Short Term Health Insurance Cost?

The cost of short term health insurance in Florida varies depending on a number of factors, including your age, health status, and the level of coverage you choose. In general, short term health insurance policies are less expensive than traditional health insurance policies.

According to eHealth, the average cost of a short term health insurance policy in Florida is $117 per month for an individual and $261 per month for a family.

Pros and Cons of Short Term Health Insurance

Pros

• Short term health insurance policies are typically less expensive than traditional health insurance policies.
• Short term health insurance policies provide temporary coverage for people who are between jobs or waiting for other health insurance coverage to start.
• Short term health insurance policies are available to people who do not qualify for other types of health insurance coverage.

Cons

• Short term health insurance policies do not provide as comprehensive coverage as traditional health insurance policies.
• Short term health insurance policies do not cover pre-existing conditions or other essential health benefits required by the ACA.
• Short term health insurance policies are not renewable in all circumstances, which means you may be left without coverage if you need it.

FAQ

Can I Get Short Term Health Insurance in Florida If I Have a Pre-Existing Condition?

No, short term health insurance policies in Florida do not cover pre-existing conditions.

Can I Renew My Short Term Health Insurance Policy in Florida?

Short term health insurance policies in Florida can be renewed for up to 36 months in certain circumstances.

How Do I Apply for Short Term Health Insurance in Florida?

You can apply for short term health insurance in Florida through a licensed insurance agent or broker. You can also apply online through a reputable health insurance marketplace.

Final Thoughts

Short term health insurance in Florida can provide affordable temporary coverage for people who are between jobs or waiting for other health insurance coverage to start. However, it is important to remember that short term health insurance policies may not provide as comprehensive coverage as traditional health insurance policies, and do not cover pre-existing conditions or other essential health benefits required by the ACA.