Virginia: Free Short Term Health Insurance Quotes

For those without individual or group health insurance, short term health insurance may be an alternative to Cobra Insurance. When you separate from your full-time employer, you may need to decide whether to choose Cobra Insurance, or purchase an individual health insurance policy or short term health insurance. If your spouse wishes to include on his or her group health insurance policy, you might not be automatically covered or forced to enroll the next open enrollment period.

When you choose short term health insurance, your out of pocket expenses will normally include the following:

• a deductible
• co-insurance (It pretty much resembles that of a regular health insurance policy)

While the short term health insurance policies usually does not cover pre-existing conditions, its main purpose is to offer healthcare coverage for future ailments. Generally, you and your spouse may be covered by a short term health insurance policy when under the age of 65. Keep in mind, most short term health insurance plans are not renewable, but you may reapply after the coverage period ends.

Reasons to purchase Short Term Health Insurance:

• Children are no eligible to be on your policy (due to age, marriage or graduation)
• new job's health insurance coverage is not yet effective
• In between jobs
• Part-time work
• Need health coverage for a limited period of time