Short-term plans were built for relatively healthy young individuals to provide them limited healthcare coverage while they are in between major life events, such as switching jobs, marital changes, or other qualifying events. Read more about short-term plans in this Article.

States where Short-Term Health Insurance plans are not available:

Due to regulations, short-term plans are not available in the following states:

  • California

  • Hawaii

  • Massachusetts

  • New Jersey

  • New York

  • Rhode Island

  • Vermont

States where Short-Term Health Insurance plans have limitations:

Some other states have specific duration rules for short-term plans:

  • Delaware - Limited to 90 days during a 365 day period

  • Idaho - Only allowed one coverage period, then individual must wait 64 days from the termination of the last short term policy before enrolling again

  • Illinois - Limited to 180 days of coverage with one carrier, then individual must wait 60 days from the termination of the last short term policy before enrolling again.

  • Michigan - Limited to 180 days of coverage with one carrier, then individual must wait 60 days from the termination of the last short term policy before enrolling again.

  • Nevada - Limited to 180 days of coverage, then individual must wait 180 days from the termination of the last short term policy before enrolling again.

  • Oregon - After 90 days of coverage, individual must wait 60 days from the termination of the last short-term policy before enrolling again with the same carrier.

  • West Virginia - Only allowed one coverage period, then individual must wait 64 days from the termination of the last short-term policy before enrolling again.

  • Wisconsin  - After 18 months of coverage, individual must wait 63 days from termination of last short term policy from before enrolling again with the same carrier.

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