Anyone who can pass an insurance company’s medical underwriting rules should purchase a short-term medical health insurance plan, says Norris. “This normally means being under 65 years old and in fairly good health,” she notes. Underwriting refers to how an insurance company determines your health status to make your mind up whether or not they’ll give you coverage, at what price and with what exclusions.
There are 11 states wherein short-term medical health insurance plans aren’t available “either because they’ve banned them or implemented rules which might be strict enough that insurers have chosen to not sell plans there,” says Norris. As of 2021, short-term coverage isn’t available in California, Colorado, Connecticut, Hawaii, Maine, Massachusetts, Recent Jersey, Recent Mexico, Recent York, Rhode Island and Vermont.
How Do You Qualify?
“You don’t should do anything to qualify, per se,” says Archambault. You simply join and pay for coverage.
Most short-term medical health insurance plans use “very limited medical underwriting through the application process,” says Norris. “They sometimes just have a handful of yes/no questions on significant medical conditions and can offer coverage to anyone who can answer ‘no’ to all of the questions.”
“Post-claims underwriting” is common with short-term plans, which suggests if you file a recent claim, the insurer often combs through records to be certain that it isn’t tied to a pre-existing condition, adds Norris. “Whether it is, they will reject the claim and even rescind the policy,” she says.