Ahhh...the Golden State.
Beautiful coasts and mountains. Check.
Overzealous legislators. Check.
The hard date is 12/1/2018 but since the plans had a 90 day window, no new plans would be issued after 9/1.
We only had one carrier as it was.
So now what?
The genuine need for short term health plans didn't suddenly go away.
We understand if they didn't want to adopt Trump's extension of short term to 364 days but to ban it altogether??
We still have an option in California and it will likely be the dominant short (and longer) term plan for people who can't enroll in Obamacare or can't afford to.
Short term health sharing plans from AlieraCare.
Otherwise, let's look at a quick introduction.
Let's get started.
This is short term after all...
First, some basics.
What exactly is short term health in California.
They're usually used between other coverages:
There are as many uses for short term as there are people!
Everyone's situation is different.
The main point to understand is that short term is more catastrophic.
It's there to cover the bigger bills.
Short term is not designed for:
If those services might be needed, it's probably best to get a standard plan.
You can read more on short term versus Obamacare plans here.
So...what about our new option...AlieraCare??
AlieraCare is a health sharing plan.
You can read all about health sharing here.
They work like memberships but we like AlieraCare the most of those available on the market.
In California, it's not really a question if you need short term coverage.
They're the only ones left!!
We like AlieraCare since they have a reserve which is similar to what insurance companies have.
You can read more on why they are best health sharing company here.
Let's look at that piece now.
AlieraCare had many different types of plans.
One of them is called the InterimCare plan.
This functions as their health sharing plan for short term health needs.
It's actually broader and more flexible!
A few notes when comparing the plans.
You have a choice of MSRA.
This is the AlieraCare equivalent of a deductible.
There are also three different plan types:
This has been the most popular approach.
You can compare the plans and rates here:
This is their short term option.
How short is short?
The InterimCare plan is available from 1 to 11 months.
This is actually more flexible than the 90 days we had before with IHC.
The rates differ depending on what maximum duration you want:
If you know you need 6 months or less, you would select that to get the best rate.
The rates shown through the quote below are the best possible AlieraCare rates available anywhere!
That's a nice advantage that AlieraCare short term plans have.
The short term plans work very similarly.
The differences are with health sharing versus Obamacare health insurance.
We wrote extensively on how to compare these two here.
They are also last short term health coverage option available in California!
AlieraCare short term plans can start midnight following online enrollment.
They do not decline people based on health.
This is comparable to the old IHC short term plans except IHC could decline people AND they had waiting periods.
That's a plus for AlieraCare short term plans.
You can cancel these short term plans month to month!
It's very easy to quote and apply for short term plans by AlieraCare.
You can access both here as well as the brochure:
We're happy to help with any questions.
There is ZERO cost for our assistance!
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
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20+ years of experience in the California health market has taught us one thing...Competent and experienced guidance is Invaluable
We can quickly (very important) size up your health coverage needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and health sharing plans.
We'll quickly see if health sharing plans like top health sharing companymight be a good fit for you.800-320-6269
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