Get new help with 364 day short term health plans online

Expanded Short Term Health  -  month to month health plans

Month to month health insurance reviews and rates

month to month health insurance plans


Many people just need a few months of coverage.


Something to cover a gap in health insurance.


It might be 1 month.

Maybe 3 months.


"It depends on when I get a job".


That's a very common refrain we hear.


Luckily, short term health insurance fits the bill for these situations.


You can always jump right to the quote here:

How to quote Trump short term health plans


Otherwise, check out any section here:


Let's get started.

How does month to month health insurance work


Essentially, we're using short term coverage to handle month to month healthcare needs.


Short term plans are limited health insurance plans we can buy up to a specified maximum duration.

The duration can run from 90 days to 364 days depending on your State.


You can quick quote the options here:

How to quote Trump short term health plans


These plans usually come in 30 day blocks.


Short term plans are more catastrophic coverage by nature.


This means they are there to cover the big bills and they do this well.


Make sure to check our our Obamacare versus short term health plan section here.


Let's talk about what they don't cover just to make sure everyone's on the same page.

What does month to month health insurance cover


Month to month plans are good for injury illness that is not pre-existing.

There are some other exclusions to look at.


Make sure to check out the brochure through the quote above but here are some key points.


A month to month short term health plan:


  • Does not cover maternity
  • Does not cover pre-existing conditions
  • Does not cover mental health or substance abuse
  • Does not cover outpatient medications
  • Does not mandate coverage of 10 Essential Health Benefits (Obamacare requirements)


It's really designed for major medical.


This means hospitals, ER, surgeries.


Think accidents or sudden onset of illnesses.


It does a really good job at those.

Exactly how long can we get month to month coverage?

How long can you get month to month health coverage for


This depends on your State.


Trump expanded short term health plans Aug 2nd with a start date of Oct 2nd.


Some States are jumping all over this and they may see month to month plans up to 364 days!


Others will keep 90 days.


Some States may bar true short term health plans entirely.

California just announced as much.


We may only have AlieraCare (health sharing plans) for States with no true short term health plans.


AlieraCare does have an Interim plan for month to month coverage which you can quote here.


When you run your month to month quote, you'll quickly see if 90 or 364 (or no options) are available based on your zip code.

Which companies offer month to month health insurance


Here are the main companies that offer month to month coverage:


  • IHC (sponsored by BCBS)
  • UnitedHealthOne (operated by United Health)
  • AlieraCare health sharing (not health insurance - may be only option in some States)


There is a difference between a health carrier and health sharing.


You can read more on health sharing versus health insurance here.



Otherwise, here's the list of short term plan options by States:


short term health plans by State


Run the quote to see what's available here:

How to quote Trump short term health plans

Difference between month to month health plans and Obamacare


There are big differences between month to month plans and Obamacare.



If you don't have the option of Obamacare plans (either individual/family or through Cobra), it may not be a question.


Many people get month to month plans because they don't have any other options.


That's why it's short to begin with.

Let's assume you have availability of both.


Obamacare will be the better fit if:


  • You are eligible for a tax credit based on income
  • You have pre-existing conditions
  • You have more serious health issues or healthcare costs


Month to month plans tend to be purchased by people who:


  • Just want catastrophic or major medical coverage
  • In good health
  • Can't enroll in Obamacare (missed open enrollment or lapsed coverage)
  • Need coverage quickly (midnight following online enrollment)


This is just a broad overview.


Make sure to double check the Obamacare versus month to month plans here.


Is there a penalty for month to month health insurance


There is a penalty for getting month to month coverage in 2018 if the period is beyond 3 months.


There is no penalty 2019 and beyond for having short term plans.


Who has the best rates for month to month coverage


This really depends on:


  • Age
  • Zip code
  • Core benefits


The only way to check is to run the quote unfortunately.


We've seen situations where one short term company is cheaper and others where it's the opposite.


Each company has their sweet spot in terms of pricing.


Some areas may only have one option!


Some States may not have any health insurance company at all and we then need to look at AlieraCare's Interim plans (not health insurance).


You can quote all of these options here:

How to quote Trump short term health plans


How to cancel month to month coverage


It is month to month after all.


How do we cancel after say....2 months?


They companies all have different means but a notification to the company prior to the next period starting will do the trick.


For example, if we want to cancel October 1st, we just need to notify the company by the last day in September.

Earlier is better to avoid the refund process.


How to quote and enroll in month to month coverage


This is easy and online.


You can quote and even enroll online through this link here:

How to quote Trump short term health plans


Make sure to take a look at the State map on that page since we don't have all companies in all States.


Some States may only have one company.


In a few States we may only have AlieraCare (health sharing plan).


Either way, you'll have access to all of them through link above.

Month to month health insurance review


We covered a lot!


Especially for a plan we may only need for a few months.


Maybe even 1 month.

Whether it's 1 month, 2 months, or even 11 months, short term health plans fit the bill.


Make sure to understand the differences between these plans and Obamacare.


People primarily choose month to month plans for their savings (if no tax credit), flexibility, major medical design, and yes...


The ability to cancel month to month!


Even if the policy in the quote says 90 days or 364 days, that means your maximum duration per policy is that.


You can still just get monthly health coverage via these plans.


We're happy to help.


Quote month to month health plans here


Again, there is absolutely no cost to you for our services as licensed Short term health agentsCall 800-320-6269 Today!



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