Important notice about Short-Term Health Insurance
IMPORTANT: This is a short-term, limited-duration policy, NOT comprehensive health coverage
This is a temporary limited policy that has fewer benefits and Federal protections than other types of health insurance options, like those on HealthCare.gov.
| This policy | Insurance on HealthCare.gov |
|---|---|
| Might not cover you due to preexisting health conditions like diabetes, cancer, stroke, arthritis, heart disease, mental health & substance use disorders | Can't deny you coverage due to preexisting health conditions |
| Might not cover things like prescription drugs, preventive screenings, maternity care, emergency services, hospitalization, pediatric care, physical therapy & more | Covers all essential health benefits |
| Might have no limit on what you pay out-of-pocket for care | Protects you with limits on what you pay each year out-of-pocket for essential health benefits |
| You won't qualify for Federal financial help to pay premiums & out-of-pocket costs | Many people qualify for Federal financial help |
| Doesn't have to meet Federal standards for comprehensive health coverage | All plans must meet Federal standards |
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member's job, contact the employer.
Questions about this policy? For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under "Insurance Departments."
Important notice about Fixed Indemnity Insurance
THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES.
THIS POLICY PROVIDES LIMITED BENEFITS.
Important notice about Gap Health Insurance
THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES.
THIS POLICY PROVIDES LIMITED BENEFITS.
Compare COBRA insurance alternatives
Lost your job-based health plan? COBRA lets you keep it, but you usually pay the full cost yourself. A Marketplace plan may cost less, especially if you qualify for a premium tax credit. Compare both before you decide.
COBRA basics
- You have at least 60 days to decide whether to elect COBRA.
- After you elect, you have 45 days to make your first payment.
- COBRA can cost up to 102% of the plan's full price.
- It usually lasts 18 months, and up to 36 months in some cases.
Switching to a Marketplace plan
- Losing job-based coverage gives you 60 days to enroll in a Marketplace plan, even if you were offered COBRA.
- During Open Enrollment (November 1 – January 15 for 2027 coverage in most states), you can switch from COBRA for any reason.
- If you drop COBRA early on purpose outside Open Enrollment, you usually have to wait until the next Open Enrollment. Ending COBRA because it ran out does open a Special Enrollment Period.
- No credit card or payment needed
- Free quotes, no obligation
- Licensed agents, no fee for our service
Rather talk to a person?
Call a licensed agent. No fee for our service.
1-877-861-3558- Average wait to reach an agent
- Average time to a call back after a request
Helpful to have ready
- Your best estimate of next year’s household income
- Names of your doctors and the medicines you take
- Details of any coverage you have now
See plans for the person offered COBRA
What happens next: when you submit this form, a licensed agent from Health Enrollment will contact you about your quote by phone, text or email. This may include autodialed or prerecorded calls and texts. Most plan details, prices and enrollment are handled with the agent by phone.
By clicking “Submit and get my quotes,” you agree to be contacted as described in the consent just above the button. You don’t have to agree to get help, and you never have to buy anything. Prefer not to get calls or texts? Call us instead at 1-877-861-3558.
All fields are required. It takes about 2 minutes.
