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What is the difference
Short Term Health VS Major Medical. !
Let us help remove the confusion:
Short-term health insurance plans provide limited, but affordable benefits when compared to a major medical plan that meets all of the benefit requirements of the Affordable Care Act (ACA or Obamacare). Not to be confuse with a Discount health plan which is a basic health plans that only saves a group discount. Always ask your agent what type of health insurance plans they are presenting to you. Heare are some benefit of a Short Term health insurance plans:
Since sort-term coverage is more limited and they do not cover maternity and mental health. the plans tend to start at $100/month compare to major medical which can start at 3-10X +. If youare planning to start a family in the next 6-1 year, choose major medical plans instead.
You can cancel easily!.
When you apply for short-term health insurance, you’ll typically have the option to pay for your coverage all at once, or you can pay month-to-month. If you pay month-to-month, it’s very easy to cancel your plan at any time
Most short-term health plans are designed primarily to provide you with coverage and protection from unexpected injuries and illnesses that require emergency medical care.
If you need to verify that you have health insurance for travel, or in order to get admitted to certain types of schools, like nursing or dental schools, short-term plans often satisfy those coverage requirements.
Health Insurance for healthy People