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Expanded Short Term Health  -  New Trump expansion of short term health

The New Trump Short Term Health Insurance Plans and Rates

New expanded Trump short term health plans

 

It's been a few years of constant change with health insurance.

Now is no different!

 

Enter the new Trump expansion of short term health insurance plans.

 

This may seem like a minor move but it's really an end run around Obamacare and the ACA law.

 

We'll explain why below.

 

More importantly, for many people who don't qualify for a tax credit, it may become the go-to health insurance option starting in 2019.

 

We have to understand the differences between Obamacare and the new Trump short term plans.

 

We'll get into all of it right below.

 

You can always quote short term plans here:



How to quote Trump short term health plans

 

Otherwise, feel free to jump right to any section here:

 

 

Lot's to cover.

 

Let's get started.

 

Before we talk about these new plans, let's look at what they are a reaction to...the ACA law.


Quick history of Obamacare

 

The short term plans are really a reaction to the ACA (Affordable Care Act) law.


The ACA started in earnest Jan 1st 2014.

 

It mandated wide sweeping changes to the health insurance market:

 

  • Guaranteed issue coverage (can't be declined based on health)
  • No waiting periods for pre-existing conditions
  • No Annual or Lifetime max benefit
  • Mandated coverage for Maternity
  • Mandated coverage for Mental Health (including substance abuse)
  • Mandated coverage for 10 essential health benefits
  • Tax credits or Medicaid/Medi-cal based on income
  • Tax penalty for not having ACA coverage

 

Those are the big ones.

Lots and lots of other smaller changes.

 

For many people with significant health issues or lower income, the ACA provided a great deal of relief.

 

The problem is the cost associated with the coverage if you do not qualify for the tax subsidy.

 

For those people, costs have roughly tripled since 2014.

 

That will only continue going up due to the design of the plans.

 

Take a look at medication costs.

 

We're seeing those costs explode lately.


Why not when the end consumer just has a copay through an ACA plan!

 

So...Obamacare really is a tale of two cities.

 

Tax credit or major health issues...you're loving it!

 

No tax credit and just want catastrophic coverage...not so much.

 

There was one other change Obama made in his last year of office.

 

That affected short term.


The "old" short term health plans

 

We've had short term plans for decades.


They typically addressed some gap in coverage:

 

  • Loss of employer coverage
  • Waiting periods till new coverage started
  • Need of immediate coverage

 

Many uses for a short bridge in coverage of about 3-6 months.

 

With the ACA law, we started to see short term plans up to 364 days.

 

In 2015, Obama issued an executive order which limited the duration of short term (non-ACA plans) to 3 months.

 

This was partially to prevent people from using short term plans as a way to avoid the ACA market (on exchange).

 

If healthy people could just get short term, the "risk pool" in the ACA marketplace would get worse.

 

Rates would go up across the board.

 

The problem is that starting in 2017, people without tax credits started to cancel or lapse ACA plans.

 

Or they just didn't enroll to begin with!

 

The costs without tax credit are just too high.

 

We see Bronze plans that cost $1000/person for older Americans.

 

A couple making $70K can't pay $24K in health insurance!

 

Not for long anyway.

 

The Trump expansion of short term health plans is really a reaction to THOSE people!

 

Check out detailed information on how short term plans work in general

 

Let's look at it in detail.

 

You can always quote the expanded short term plans as soon as available here:


How to quote Trump short term health plans


Trump's expansion to short term

 

On August 1st, 2018, Trump announced the expansion of short term health plans.

 

There were three main effects:

 

 

We'll touch on each of these below but net effect is this:

 

You can have short term health plans for a much longer duration.

 

The net net effect is more important.

 

You can get catastrophic coverage and avoid the ACA marketplace!

 

Exactly what they were concerned about before.

Let's look at each change in more detail.

Starting with the most important.


Expansion to 364 days of short term coverage

 

This is the big one.

 

Trump extended the length of time you can have short term plans from 90 days to 364 days.

 

Just short of a full year.

 

This basically allows people to get short term out to Open Enrollment on the ACA market each year.

 

That's important since that coverage is guaranteed issue in case something happens healthwise.

 

You can still cancel month to month but the 364 day is a big deal.

 

We've been limited to 90 days after which a person has to re-enroll.

This severely crimped the ability to use short term plans as a work-around for the ACA.

 

Learn more about the expansion to 364 days of short term.


Required notification of differences between Obamacare and Trump short term

 

Short term plans are very different from Obamacare or permanent health plans.

 

The executive action required that carriers notify enrollees of these differences.

 

We've covered the differences of Obamacare versus Trump short term health plans here.

 

It's important to check that out in order to make an informed decision.

 

 

If you read the list of mandates above for Obamacare plans, you can basically remove those for the short term plans.

 

Take a look at the brochure available through the online short term quote here.

 


Short term Renewal up to 3 years

 

The 3rd change makes short term more longer term in a way.

 

Basically, the carriers can offer to renew short term health members up to 3 years.

 

This means that you can stack 3 364 day short term policies.

 

The renewal will likely require re-qualifying based on health.

 

Most people will take short term plans out Jan 1st and if they're still in good health, renew the following year during the ACA open enrollment.

 

Or they will jump onto the ACA market if needed.

 

That's why the 3 year renewal is important.

 

After 3 years, they could potentially change short term carriers if available.

A lot can happen in 3 years for health insurance so that's getting ahead of ourselves for now.

 

So...when are the new plans available.


When will new short term plans be available

 

Officially the new short term plans are slated to be available October 1st, 2018.

 

Learn about 2018 short term health plan options here.

 

Health insurance doesn't work that fast!


The carriers will have to design the new plans.

The States will have to approve the new designs.

 

We're probably looking at Jan 2019 for the Trump short term plans to start in earnest.

 

Just in time for Open Enrollment!

 

As soon as available, you can quote the Expanded short term plans here:


How to quote Trump short term health plans

 


What carriers offer Trump short term health plans

 

We'll add new legitimate health carriers to the quote page as available.

 

Right now, we have IHC and UnitedOne that offer short term coverage depending on the State.

 

  • IHC is partnered with BCBS.
  • UnitedOne is part of United Health, the largest carrier in the US.


These are the only carriers we feel confident in.

 

It partially depends on what's available in your State:

 

short term health plans by State

 

Again, we expect more carriers to come board with the expansion since they left with the restriction.


Will there be a penalty with Trump short term plans

 

The penalty is slated to go away in 2019 so short term plans will not be affected.

 

The penalty remains through 2018 and any gap in ACA coverage beyond 3 months had a penalty for that year.

 


Main differences between Obamacare and Trump expanded short term

 

We've written an expensive article on Obamacare versus Trump short term health plans here.

 

It's that important.

Check it out after this page.

 

It's important to understand why people choose short term plans.

 

They were really designed to be catastrophic coverage plans for limited period of time.

 

  • Think illness or injury
  • Broken bones
  • Hospital stays
  • ER Visits

 

They're not designed to cover the day to day services.


These are some of the important exclusions to know:

 

  • Mental health including substance abuse
  • Maternity
  • Outpatient RX
  • Pre-existing conditions

 

Take a look at the brochure for full detail available through the quote:



How to quote Trump short term health plans

 

We're happy to help with any questions at 800-320-6269 or by email.


How will short term expansion affect ACA market

 

It depends.

 

If you are eligible for a tax credit or Medicaid/Medi-cal, you probably won't feel much.

 

The tax credits are designed to go up as the underlying premium goes up.

 

The ACA law basically caps your share of healthcare costs as a percentage of your income.

If you have ACA coverage but no tax credit, your costs will likely go up as a result.

 

That's been the case without short term anyway since 2014.

 

It will probably accelerate.

 

The ACA market has true design issues pre-dating Trump's short term expansion.

 

It's the costs!

 

There's no really offset in the law to reduce utilization of health care or the cost that can be charged for it.

 

We've seen common blood pressure medications at $40/month being substituted for new meds at $400/month over the last year.

 

Medications for soriasis at $75K year.

 

That's going to blow up with or without short term expansion.

 

In fact, the reason the short term plans were expanded is exactly due to the ACA law design.

 

We're not political...we just want to help people find the best options for them.

 

It's just what we see day to day with the ACA marketplace.

 

There are big winners (tax credits) and big losers (no tax credits).

 

The big losers are going to lose more now with the expansion.

 


Is new expanded short term right for you?

 

Many factors to look at here.

 

In general, you want to consider the following:

 

  • Do you qualify for a tax credit or Medicaid/Medi-cal?
  • Do you have more serious health conditions or healthcare costs?
  • Do you expect to get pregnant?
  • Do you have medication needs?
  • Do you need mental health coverage?

 

These are some of the big ones.

Here's what we find.

 

Most people get short term because they HAVE to.

 


They either can't enroll in ACA plans (missed open enrollment or lapse coverage)

Or..

They can't afford ACA plans (no tax credits, just want catastrophic coverage).

 

The Trump short term plans are basically becoming the secondary non-ACA market!

 

People will get 364 day blocks at a time and decide on whether to renew at Open Enrollment or jump on the ACA market.

 

We're happy to go through your situation at 800-320-6269 or by email.

 


When can a person enroll in expanded Short term

 

It's is a big reason why short term is so popular.

 

There's no open enrollment.

 

You can enroll any time during the year.

 

About half of our short term enrollees can't enroll in ACA and HAVE to get short term.

 

They might have missed Open Enrollment.

They might have lapsed coverage due to missed payments.

 

It's very common.

 

We generally can get an effective date midnight following online enrollment which you can access through the quote link here.

 


When can a person cancel short term plans?

 

With short term health plans, you can always cancel month to month.


Generally in 30 day blocks.

 

You just need to email cancellation request to the carrier with your ID#.

 

We can help with that process.

Just email us with any questions or requests.

 


Taking expanded short term out to open enrollment

 

This strategy was already present with the old short term plans.

 

It's going to explode in popularity with Trump's expanded short term.

 

Basically, many people will get short term plans out to Jan 1st of each year.


 

They'll re-evaluate their healthcare needs and either jump onto the ACA marketplace or renew for more short term coverage.


In this way, the expanded plans have become a work-around for the ACA healthcare market.

 

If you are eligible for a tax credit, you should go with the ACA most likely.

 

We're happy to help with any questions at 800-320-6269 or by email.  There's ZERO cost for our assistance!

 


How to quote expanded short term plans

 

It's easy, online, and free.

 

You can access the Trump expanded short term rates here:

 

How to quote Trump short term health plans

 

They are scheduled to be available 10/1/2018 but most plans will show for 2019 and beyond.

 

The quote is shown is monthly even if a longer period of time is given.


You can always cancel month to month (details above).


There's no cost for our assistance and the rates shown are the best available.

 


How to enroll in expanded short term plans

 

One of the best parts about short term is the enrollment.

 

It's online and generally takes about 5 minutes.

 

Enroll right through the short term health quote link.


There's a series of simple health history questions.

 

If we can answer "no" to them honestly, we're generally approved!

 

You'll get confirmation in about 48 hours for most cases.


We're happy to help with any questions!

 


Review of new Trump short term plans

 

We covered a lot regarding the Trump expansion of short term health insurance.

 

It's going to be a big alternative to the ACA or Obamacare marketplace starting in 2019.

 

We really want people to understand the differences between ACA and Trump short term.

 

We've covered the big differences across our site but feel free to contact us with any questions.

 

The new plans should be attractive to:

 

  • People with no tax credit
  • People looking for catastrophic or major medical health coverage
  • People who can't enroll in ACA (missed open enrollment, lapsed coverage)
  • People who can't afford ACA plans
  • People in relatively good health

 

Potentially, there are millions of people that fall in these categories.

 

Our assistance is 100% free to you.

 

We know the new plans in and out.

 

We've had 25+ years experience with short term health plans.

 

How can we help YOU!?

 

Quote the new Expanded Short Term Health Plans here

 

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!

 


 

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