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 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.
One note...we can always get Covered Ca plans and cancel month to month...especially if you're eligible for a tax credit! Quote those plans here.
Short term health sharing plans
You can jump right to the quote here:
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 OR if you qualify for a tax credit, 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..health sharing
You can read all about health sharing here.
They work like memberships.
In California, it's not really a question if you need short term coverage.
They're the only ones left for coverage that can start midnight
following enrollment
You can read more on why they are best health sharing company here.
OneShare had many different types of plans.
They can all be cancelled month to month and start midnight following enrollment.
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 equivalent of a deductible.
There are also three different plan types with different levels.
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?
There's is no cap on the time period.
This is actually more flexible than the 90 days we had before with IHC.
We can cancel month to month!
The rates shown through the quote below are the best possible rates available anywhere!
That's a nice advantage that health sharing 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.
OneShare 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 health sharing.
You can cancel these short term plans month to month!
It's very easy to quote and apply for short term plans by OneShare.
It's online!
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!