December 19, 2008, Newsletter Issue #159: The Costs Of Short-Term Insurance

Tip of the Week

As with standard insurance, all short term health insurance plans vary from company to company. However, because most insurers protect themselves by limiting or excluding benefits for pre-existing conditions, preventative, and routine health care services, premiums can be much lower than those for standard health insurance. Where a standard health insurance plan's monthly premium for individual coverage may be in the $250 to $400 range depending on coverage and deductible levels, the monthly premium for most temporary health insurance policies is usually below $100. What you pay will depend in large part on the deductible level you choose when acquiring short-term health insurance plans. Just like with standard health insurance, the lower the deductible, the higher the premium and vice-versa.

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