KAISER SHORT TERM HEALTH INSURANCE
We get this question almost daily.
Can I get short term health insurance from Kaiser?
This makes sense since many people have been in the Kaiser network for years…sometimes their entire lives.
What happens if we have a gap between Kaiser coverage and we just need short term?
We have bad news and good news.
Let’s get the bad out of the way.
Kaiser Short Term Health Availability
Right now, Kaiser does not offer a short term health plans.
UPDATE: California Banned All Short Term Health Insurance Plans Eff 9/1/2018.
In California we now only have AlieraCare health sharing InterimCare plans.
You can quote AlieraCare short term plans here.
Learn about AlieraCare plans for short term health here.
Notes on AlieraCare InterimCare plans:
- Coverage can start midnight following enrollment
- We can cancel month to month with blocks of coverage up to 11 months
- AlieraCare is now the only short term plan in California as short term health insurance plans have been banned eff 9/1/2018.
- The rates quoted are the best available on the market
- Short term works best for injury/illness but does not cover pre-x conditions
- AlieraCare does not decline based on health
- There is no cost for our services!
Quote and online application available here:
Information below is for States that still have short term health carrier options.
We should probably describe what we mean by short term and then discuss options.
Quick intro to Short term plans
Short term plans are designed to cover a fixed period of time (generally up to 3 months).
They do not meet the requirements for permanent coverage of ACA (Affordable Care Act) plans.
Here’s a quick list of important short term points:
- Must qualify based on health but with easier qualifications
- Can cancel month to month
- Can start midnight following enrollment
- Not ACA compliant
- You may have to pay the penalty for not having insurance if enforced (beyond 3 month exemption)
- Does not cover preventative or pre-existing conditions
- Works well for injury/illness
- Less expensive way to cover more catastrophic health care needs until other coverage or Open Enrollment
Basically, short term plans work to fill a gap in coverage.
Now, what if we want Kaiser?
We can’t get short term with Kaiser right now.
Currently, in California, AlieraCare InterimPlans offer the only short term option (up to 11 months)
You can quote and enroll in this plan here:
The rates quoted are the best possible rates and there is no cost for our services!
If you truly have a gap to fill, this is the short term plan available.
You will not be able to use Kaiser providers/networks.
You can renew month to month and cancel when you’re able to get back on board with Kaiser.
Alternatives To Short Term With Kaiser
Some important notes.
If you have a Special Enrollment trigger (generally marriage, birth, loss of qualified coverage, or a move), you may be able to get Kaiser coverage right away.
We can help you with this process.
As Certified Covered California agents, there is no cost for our services.
We’ll be able to compare short term health plans and Kaiser plan eligibility side by side based on your situation.
You can quote these Kaiser plans (enter income info to see if you get a tax credit) here:
If you do not have a Special Enrollment trigger and we’re outside Open Enrollment, short term health may be the only way until you can get back on Kaiser.
Everyone’s situation is different (and complex) so we’re happy to walk through yours with you.
Just call 800-320-6269 or email us with any questions.
One note…if you get short term coverage instead of triggering your Special Enrollment trigger, we may lose the option to get to Kaiser until Open Enrollment comes back around.
Open Enrollment is generally Nov 1st to Jan 31st (may change in the future).
This is important if you want to stay with Kaiser.
Mechanics Of Short Term Plans
Short term works very differently from ACA coverage.
- All enrollment is online for one.
- You can quote and enroll here.
- All told, it generally takes 5 minutes.
- The plans are pretty straight forward.
- You have a choice of deductible, co-insurance, and max out of pocket.
- Your choice on these affect your pricing.
Let’s look at each one.
Deductible
With short term plans, you pick a deductible.
This is an amount you have to pay up to before the plan kicks in.
Co-insurance
Once the deductible is met, you then pay a percentage of remaining medical bills.
Max out of pocket
You stop paying this coinsurance amount when the max out of pocket is met.
Those are the basic components.
Since we’re looking at a gap period between Kaiser coverage, it usually makes sense to look at a higher deductible.
Use short term plans for more catastrophic coverage (to cover the big ‘What If’).
Short Term Alternative To Kaiser
Until we get short term health options from Kaiser, we have AlieraCare short term plans (quote here).
This allows up to 11 months in 1 month blocks of short term between Kaiser coverage.
We can use these blocks to get to open enrollment, a Special Enrollment trigger, or other coverage (such as employer sponsored plans).
We’re happy to help with any questions you may have and our services are 100% free to you.
Learn about short term health coverage here.
Call 800-320-6269 for any questions on which option is best for your situation. Our services are free to you!
You can run your Short term health plan Quote here to view rates and plans side by side from the major carriers…Free.
Your Calhealth Advantage
Our online tools, free quotes and licensed agents are here to help you find a plan.

ON THE BLOG
Featured Articles
California Individual Vision Insurance
California Health Reform Subsidy
California Health Insurance Resource List
California Health Insurance Rate Increases
California Health Insurance Office Copay
California Health Insurance Maternity and Individual
California Health Insurance Individual Versus Cobra
California Health Insurance Individual Underwriting
California Health Insurance Group Value Dental Vision
California Health Insurance Group Kaiser
California Health Insurance Definitions
California Health Insurance Coverage Rescission
California Health Insurance Continuing Education
California Health Care Rights
California Blue Shield Vital Shield
Best California Health Insurance Plan
Affordable California Health Insurance
Understand Senior California Health Insurance
Covered California for Small Business
Individual California Health Insurance If Declined
Individual California Health Insurance Application Questionnaire
Health Net California Application Center
GURU Which Plan Should I Go With
GURU Subsidy If Offered Group Coverage
Do HSA Funds Roll Over
Compare and Contrast Alieracare Health Sharing Plan Benefits
California Vision Insurance Group
California Individual Dental Insurance
California HSA Plans and Health Reform
California Health Insurance Simplified
California Health Insurance Hospital Plans
California Health Insurance College Plan
California Health Insurance Cancel Individual Group Insurance
California Health Exchange Platinum Plan
California Health Exchange and Non Exchange Plans
Bronze California Health Plan
Covered California Open Enrollment How To
Covered California Open Enrollment
Covered California Early Pre Enroll
Small Business Tax Credits Covered California
GURU What If I Miss Open Enrollment Period
Free Assistance Covered California Enrollment
Covered California Enrollment After Open Enrollment
Comparing Deductible and Out of Pocket
California PCIP Health Insurance
California Medi-cal
California Health Insurance Group How to Choose
Avoid Bad Health Insurance Plan
Anthem Blue Cross California Application Center
How to Quote United Health National Restaurant Association
Hold On to Grandfathered Health Plans
Health Insurance for Engineering Firms
GURU What Income Period Do They Look At
Carriers
California Health Subsidy Calculator
California Health Reform Penalty
California Health Insurance Group Guaranteed Issue
Are Health Care Sharing Ministry Plans Worth It
Travel Medical Insurance
Term Life Insurance in California
Health Reform Rebates California Health Insurance
GURU Do I Use Business or Personal Gross Income
Guide Continuation of Coverage
Federal Poverty Level and California Health Insurance
California Individual Family Delta Dental
California Health Insurance Exchange
California Health Insurance Discount Plans
California Health Insurance Coinsurance
California Health Insurance Agencies
California Family Health Insurance
Obamacare Health Insurance for Gig Economy
Complaints California Health Plan
California Health Insurance Copays
Anthem Blue Cross Covered California Plans Rates Networks
Short Term Health Insurance
Short Term Insurance
Kaiser Covered California Rates Plans
California Health Insurance Individual Split Policy
Blue Shield of California
HSA Versus PPO Health Plans California
GURU What Effective Date Can I Pick
California Individual Family VSP Vision
California HSA HRA Health Insurance
California Health Insurance Dental Networks
California Health Insurance Concept
Pros and Cons of Health Sharing Plans Like Alieracare
Health Sharing Plans for Short Term Health in California
Embedded Deductibles in California Health Plans
United Health Group Rates Save Employers
Sharp Health in Covered California Reviews Plans Rates
Senior Supplement Best Value
California Health Insurance Negotiated Rates
AlieraCare CarePlus Advantage Catastrophic Health Sharing Plan Review Quote Comparison
Kaiser Through Covered California
TrumpCare HSA and Obamacare Covered California
Guide High Risk Pools
Common Questions Pre-existing and Options
California Restaurant Association United Health Plan
California Health Insurance Payment Options
California Group Health Insurance Eligibility
Current Individual HSA Health Insurance Options
Critical Illness Insurance Review Rates Plans
California Special Enrollment Periods SEP
California Health Insurance Life Time Max
California Health Insurance Claims Processing
Understand Group California Health Insurance
Student Health Insurance California
GURU Whats Difference Between In Out Exchange Plans
Are Health Sharing Plan Payments Deductible
Small Business Penalty Paying Individual Plans
Small Business Penalty Paying Individual Plans
California Health Insurance Primary Care Physician
Moving to California Covered California
California Small Business
California Health Insurance Sick Rates Change
Aetna Leaves California Individual Health Market
Covered California Tax Penalty
What is Best Health Sharing Ministry Plan
United Health Insurance National Restaurant Association Employees
Pacificare of California
La Care Health Plan Review Rates Networks
Covered California Compare Bronze Silver Plans
California Medicare Supplement Center
Basic PPO Blue Cross California
Critical Illness Insurance California
California Small Group RAF
Health Net In Covered California Reviews Rates Plans
California Insurance and Alternative Health Care
What Is Health Sharing Ministry And Plan
Covered California Versus Short Term Health Insurance
California Health Emergency Urgent Care
Smart Sense Blue Cross California
Kaiser Short Term Health Insurance
California On Exchange Application Terms Conditions
Guide Group Health Insurance
Free Assistance Covered California Enrollment
By Major Insurance Company
Blue Shield California Plans Rates Reviews
California Health Insurance Group New Company
Covered California Tax Credit
Health Insurance by State
California Health Insurance Out of Network
Anthem Blue Cross Leaving California Market 2018
Losing Health Insurance After Divorce
Cobra
California Health Insurance Max Out Of Pocket
United Health versus Anthem Blue Cross California
Short Term Health Insurance Between Jobs
Cheap California Health Insurance
California Health Insurance Group Size
California Health Insurance Broker Agent
Anthem Blue Cross Covered California
California Health Insurance Group Premium Only Plan POP
California Health Insurance Deductibles
Alternative to Obamacare Health Insurance
Health Sharing Versus Covered California
Current Catastrophic Health Insurance Options
California Health Insurance Rates Based On
Covered California Open Enrollment Changes
California Health Carrier Comparison
Missed Health Insurance Open Enrollment Deadline
What are Medicare Excess Charges
How to Apply for Aliera Care Health Sharing Plans
Medicare Supplement versus Medicare Advantage Comparison
Major Medical California Insurance
Immediate Health Insurance In California
Individual Health Insurance Between States
How to Pay Covered California Premium
Already Pregnant California Health Insurance
Health Insurance for High Earners California
Obamacare Health Insurance Versus Health Sharing Comparison
California On Exchange Application
Is Western Health Advantage PPO or HMO
Health Insurance Between Retirement And Medicare
California Retirement Health Insurance Options
California Health Insurance Group 1099
California Health Insurance Blue Card
California Health Insurance Acupuncture
Are Health Sharing Plans Like Alieracare Tax Deductible
Guide California Health Doctor Network
Health Savings Account
GURU What If I Move To California
Blue Cross Blue Shield Short Term Health Insurance
Calcobra Extension
Oscar California Health Insurance Review Rates Plans
Losing Health Insurance at Age 26
California PPO POS Health Insurance
California Health Reform 400 Poverty Level
Covered California Login Issues
California Health Insurance High Deductible Plan
GURU Medi Cal for Children
California Health Pre Existing Condition
Obamacare Income Guidelines in California
How to Designate Covered California Agent
How to Quote AlieraCare for Short Term Coverage
California Health Insurance Full Time Student
Do Health Insurance Plans Cover CBD
Catastrophic Health Insurance California
California Health Insurance Out Of State Employees
Covered California Marketplace Tax Credit
Health Insurance For Larger Family Of 4 5 6 Or More
Common Questions Individual Contract
Can You Have HSA Account With Health Sharing Plans
Blue Cross Senior Smart Choice
GURU What If My Income Changes
California Health Insurance Carrier Comparison
Self Employed Health Insurance California
Health Insurance for 1-2-3 Months
How to Apply for Covered California
Kaiser Versus Western Health Advantage Comparison
California Health Insurance Chiropractic
Covered California Versus Cobra Comparison
California Los Angeles Medi Medi Anthem Mediblue Health Plan
How to Quote Aliera Care Health Sharing Rates
California Health Insurance Dependent Children
GURU Tax Filing Status and Covered California
California Health Insurance HMO Versus PPO
GURU Difference Between EPO And PPO
California Health Insurance Group Part Time
Comparing Covered California Plans
Covered California Self Employment Income
Health Net Versus Anthem Blue Cross Comparison
Common Questions Time to Process Application
GURU What Type Of Income
Kaiser Versus Sharp Health Plan Review Comparison
How To Pick Best Covered California Health Plan
Do HSA Funds Roll Over
Anthem Blue Cross Versus United Health Comparison
Kaiser Versus PPO
Aliera Care Health Sharing Plan Review Rates Plans
Health Care Sharing Ministry Comparison Review
Emergency Health Insurance California
Secular Non Religious Health Sharing Plan
Blue Shield California Versus United Health Comparison
Kaiser Versus Health Net Comparison Reviews
Health Net Versus Blue Shield California
Blue Shield Versus Anthem Blue Cross California
Blue Shield California Individual Rate Increase
Does A Company Have To Offer Health Insurance California
Kaiser Versus United Health Comparison Reviews
Kaiser Versus Anthem California
Blue Shield California Versus Kaiser Comparison Review
Blue Shield California Individual Rate Increase
Holiday
California Health Insurance Law
Blue Cross Smart Sense Individual
Blue Cross May Focal Renewal Group
Blue Cross Group Rates
Blue Cross California Individual Rate Increase
Blue Cross California Individual Rate Increase
Blue Cross Anthem Name Change
SCHIP Status
Immunizations
HSA Guideline Update
Blue Shield HIPAA Approach
Blue Cross Urgent Care Network
Blue Cross Small Group Rate Increase
Blue Cross Rate Increase Individual
Blue Cross Rate Increase Client
Blue Cross New Consumer Driven Plan
Blue Cross Healthy Living
Antibiotic Power
Holiday
California Mental Health Parity Bill
California Mental Health Parity
Blue Shield Rate Increase Individual
Blue Shield of California
Blue Cross Transfer To Colorado Nevada
Blue Cross Lawsuit
Blue Cross Billing Fee
Blue Shield New Individual Plans
Blue Cross Core 5000
Two Decades Of Helping Californians Find Affordable Health Insurance
Kaiser Versus Blue Shield Of California
See All Reviews on the Blog
See All Reviews on the Blog
- Over 500,000 Quotes
- 10’s of 1000’s Enrolled
- Guaranteed Best Rates
- Referenced for finding affordable
- California Health Inurance

20 years of experience in the California health insurance market has taught us one thing… Competent and experienced guidance is INVALUABLE
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.