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Should You Get Short Term Health Coverage if You Cannot Afford Obamacare?

Obamacare costs can be expensive depending on how many people are in your family.   Many people cannot afford Obamacare and are looking for other options.  People are dropping the ACA for short term coverage.  People can get these plans for 90 days each and can renew them after the three month period.

  People who are considering buying short term health plans should research them before purchasing.  Most short term coverage plans require answering a lot of medical questions, and insurers can reject you if you have preexisting medical conditions, which ACA plans cannot.   To keep premium costs low, many short term plans don’t cover prescription drugs, and most exclude coverage for maternity care, preventative care, mental health services or substance abuse treatment.

“People should be aware,” said Sabrina Corlette, a research professor at Georgetown University’s Health Policy Institute. “There’s a huge variety of plans out there — from true bottom feeders that are going to take your money and don’t provide any protection to legitimate products that are designed to meet a short-term need.”  Her advice: Find a reputable broker, read the fine print “and look for caps on amounts that they will pay per service, which can leave you holding the financial bag if you have to go to the hospital.”

So call Cosmo Insurance Agency to get real advice on what suits your needs best.  We provide exceptional and genuine serve.  We truly care about our clients and provide you with credible information on health insurance.  Call us at 732-363-3888.

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