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Now that the open enrollment period for individual health insurance has ended, you can’t apply for a policy unless you have a life event that qualifies you for a Special Enrollment Period (SEP).

If you don’t qualify, but don’t want to go without coverage until January 1, 2015, we may be able to help you.

Several companies offer Short-term health insurance. There are some key differences between these policies and a regular health insurance policy:

  • Unlike regular policies, the longest you can usually keep them is six months.
  • They are medically underwritten. This means that if you have certain health conditions you would probably be declined for coverage. (Real-life examples are things like: liver or kidney disorders, emphysema, diabetes, cancer, heart disorders, immune system disorders, and HIV.)
  • They don’t cover health conditions that you’ve had before the coverage begins.
  • This kind of policy won’t get you out of the ACA (Obamacare) penalty (or tax)

The good news is that these policies generally cost much less than the traditional policies. And if you’re looking for something to get you to the next open enrollment coverage start date (of January 1) this could be just the thing for you.

We work with companies like United Healthcare, Anthem, and Medical Mutual – names you know and trust. So if you (or someone you know) needs coverage now, call us and we’ll gladly help.

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