If you are in Idaho and in need of short-term health insurance, you have several options to choose from. Short-term insurance can provide you with temporary coverage that is flexible and affordable. At Chris Antrim Insurance, we are here to help you find the right policy for your needs.
Our team specializes in Medicare, health, and life insurance coverage. Whether you are looking for short-term medical insurance or temporary health coverage in Idaho, we can assist you in finding the right plan. Contact us today at (208) 203-7776 to get started.
In Idaho, there are two types of short-term health insurance plans available: enhanced and traditional. Let's take a closer look at each:
Types of Short-Term Plans | Initial Term | Total Duration | Renewable | Offered by Insurers with ACA-compliantpliant Plans |
---|---|---|---|---|
Enhanced | Up to 364 days | Up to three years | Guaranteed renewable | Yes |
Traditional | Up to six months | Nonrenewable | No | No requirements |
Whether you need short-term coverage for a few months or longer-term protection, these types of plans in Idaho offer flexibility and options to suit different healthcare needs. It's important to evaluate your individual requirements and budget when choosing the right short-term plan for you.
Short-term health insurance is available for purchase in Idaho. At least four insurers offer short-term health insurance in the state, including Blue Cross of Idaho, Allstate Health Solutions, SelectHealth, and The North River Insurance Company/Pivot Health. These insurers provide a range of short-term health insurance plans to meet the needs of different individuals and families.
When considering the cost of short-term health insurance in Idaho, it's important to note that the average monthly premium for a short-term health insurance plan sold in the state was $317.82 in 2022. However, the cost of short-term health insurance can vary based on various factors, such as age, sex, ZIP code, and tobacco use. It's recommended to obtain quotes from multiple insurers to compare pricing and coverage options.
To get a better understanding of the availability and cost of short-term health insurance in Idaho, refer to the table below:
Insurer | Availability | Average Monthly Premium |
---|---|---|
Blue Cross of Idaho | Available | $300 |
Allstate Health Solutions | Available | $320 |
SelectHealth | Available | $330 |
The North River Insurance Company/Pivot Health | Available | $310 |
Short-term health insurance in Idaho is available for purchase by individuals who meet the underwriting guidelines set by insurers. However, it's important to note that traditional short-term plans often come with blanket exclusions for pre-existing conditions, which may not be suitable for residents of Idaho with ongoing health conditions.
On the other hand, enhanced short-term plans are guaranteed-issue, but they can base premiums on a person's medical history and may impose a waiting period before pre-existing conditions are covered.
Eligibility for short-term health insurance in Idaho is not limited to a specific group of individuals. However, it is essential to consider alternative options for those who are eligible for premium subsidies through Your Health Idaho, as they may find that ACA-compliant plans are more affordable.
Plans for short-term health insurance are usually intended for those who require coverage temporarily for a variety of reasons, including:
Although flexibility is a benefit of short-term health insurance, it's crucial to realize that these plans don't give the same extensive coverage as long-term, ACA-compliant plans. Their purpose is to provide coverage for unforeseen medical costs, instead than providing the entire array of advantages usually linked with all-inclusive health insurance.
Eligibility for Short-Term Health Insurance in Idaho:
Eligibility | Coverage | Pre-existing Conditions |
---|---|---|
Traditional Short-Term Plans | Non-renewable | Blanket exclusions for pre-existing conditions |
Enhanced Short-Term Plans | Guaranteed-issue | May base premiums on medical history and impose waiting periods |
Short-term health insurance in Idaho can be a valuable option in certain situations. Here are a few scenarios where you may need to consider purchasing short-term coverage:
Additionally, short-term health insurance may be a more affordable option for individuals who are not eligible for Medicaid or premium subsidies for an ACA-compliant plan. It is important to carefully consider your specific needs and circumstances when deciding if short-term health insurance is right for you.
Short-term health insurance in Idaho is subject to regulation by state laws. These regulations govern the availability and terms of short-term plans, ensuring consumer protection and adherence to certain standards. In Idaho, there are two types of short-term plans: enhanced and traditionalOnly insurers that also provide ACA-compliant plans can sell them through Your Health Idaho, the state's health insurance marketplace.
Enhanced Short-Term Plans
Enhanced short-term plans in Idaho are guaranteed renewable and must comply with various state regulations. These plans can have initial terms of up to 364 days and a total duration of up to three years. Only insurers that also provide ACA-compliant plans can sell them through Your Health Idaho, the state's health insurance marketplace.
Traditional Short-Term Plans
On the other hand, traditional short-term plans in Idaho are non-renewable and have terms of up to six months. Insurers offering these plans are not required to also offer ACA-compliant plans. However, it's important to note that new legislation signed into law in 2019 allows for enhanced short-term plans to be guaranteed renewable.
It's worth mentioning that the federal government has proposed a rule change that would limit short-term policies to initial terms of no more than three months and a total duration (if renewable) of no more than four months. If this rule change is finalized, states like Idaho will have the option to impose stricter rules for short-term policies.
Plan Type | Renewable | Initial Term | Total Duration | Availability |
---|---|---|---|---|
Enhanced Short-Term Plans | Yes | Up to 364 days | Up to three years | Offered by insurers also offering ACA-compliant plans through Your Health Idaho |
Traditional Short-Term Plans | No | Up to six months | N/A | Offered by insurers |
Short-term health insurance in Idaho offers a range of benefits and coverage options for individuals in need of temporary healthcare solutions. These plans typically cover essential services, including doctor's visits, hospital care, emergency services, and surgery. However, it is important to review the details of each plan to understand the specific benefits and coverage offered.
Having short-term health insurance can provide peace of mind when unexpected medical expenses arise. Whether you need treatment for a sudden illness or injury or simply require routine check-ups, short-term health insurance can help cover the costs incurred during your period of coverage.
It is worth noting that short-term health insurance may not offer the same level of coverage as long-term plans, such as those provided through the Affordable Care Act (ACA). However, for individuals who are looking for affordable and flexible options, short-term health insurance can be a viable solution.
When selecting short-term health insurance in Idaho, there are several important factors to consider. These considerations will help ensure that you choose a plan that meets your specific needs and provides the coverage you require.
By considering these factors - affordability, coverage, eligibility and pre-existing conditions, and life circumstances - you can make an informed decision when choosing short-term health insurance in Idaho. Contact Chris Antrim Insurance today at (208) 203-7776 for assistance in finding the right policy for your needs. We are here to help residents in Boise and the Treasure Valley area with their Medicare, health, and life insurance coverage.
When it comes to finding the right short-term health insurance in Idaho, it's important to consider your individual needs and circumstances. Short-term plans can provide temporary coverage that is affordable and flexible, making them a viable option for many individuals.
However, before making a decision, it's crucial to carefully review the details of each plan, including factors such as coverage, affordability, and eligibility. Additionally, it's worth considering supplemental coverage options to complement your short-term health insurance.
If you need assistance in navigating the world of health insurance and finding the right policy for your needs, don't hesitate to reach out to Chris Antrim Insurance. We offer a range of insurance options, including Medicare, health, and life insurance coverage.
Contact us today at (208) 203-7776 to explore your options. We are open and ready to assist residents of Boise and the Treasure Valley area.
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