In New Jersey, short-term health insurance is not available. Residents must seek other health insurance alternatives to cover gaps in their regular health insurance. Consider options such as ACA Marketplace plans, Medicaid, or other comprehensive health plans offered by insurers. The following states do not allow the purchase of short-term health insurance plans: Washington, California, Colorado, New Mexico, Minnesota, New York, Vermont, New Hampshire, Maine, Massachusetts, Rhode Island Connecticut, New Jersey, and Washington D.C.
Recent legislative changes have significantly impacted short-term health insurance. In some states, including New Jersey, these plans are not allowed.
Starting September 1, 2024, for states that allow it, the maximum term for short-term health insurance will be reduced from 12 months to three months, with a possible one-month renewal, totaling up to four months. However, since New Jersey does not permit short-term health insurance, these changes will not apply. Residents should look into ACA-compliant plans or other available health insurance options for coverage.
Short-term health insurance plans in states where they are allowed do not have to follow all ACA coverage mandates. Until 2019, these plans incurred a federal tax penalty as they weren't considered qualified plans. Although the federal penalty was waived in 2019, some states may still impose their own penalties.
It's essential to be aware of your state's specific rules and regulations regarding health insurance to understand your options and compliance requirements.
Short-term health insurance covers basic medical services related to unexpected illness or injury. Typically, these plans include:
Short-term plans do not cover all medical needs. They typically exclude:
Short-term health insurance is intended for temporary coverage and is not as comprehensive as ACA-compliant major medical plans. It's best for filling gaps between more robust policies. Coverage specifics vary by plan and provider, so consult with licensed agents at eHealth to find the best plan for your needs and budget.
Short-term health insurance plans are designed to provide temporary coverage and can be a viable solution for those who:
It is important to note that New Jersey does not allow short-term health insurance. If you live in New Jersey, short-term health insurance is not an option for you. In such cases, you will need to explore other health insurance alternatives, such as:
For personalized assistance, contact eHealth's benefit advisors, who can guide you through selecting and enrolling in the most suitable health insurance plan based on your specific needs and circumstances.
If you've lost your health insurance coverage, there are several affordable options to consider. Firstly, check if you qualify for a Special Enrollment Period (SEP) to enroll in a marketplace plan via the Affordable Care Act (ACA), which can provide comprehensive coverage and might offer subsidies based on your income level. Medicaid is another option if your income falls below a certain threshold, offering low-cost or even free coverage. For temporary solutions, short-term health insurance might be suitable, providing coverage for a limited period until you can secure a more permanent solution. Additionally, if you are under 26, you might be eligible to join a parent's plan. Exploring these options can help ensure you remain covered without breaking the bank.
In some states, short-term health insurance is either heavily restricted or not allowed. If you reside in one of these states, consider the following alternatives:
For personalized assistance, contact eHealth's benefit advisors, who can guide you through selecting and enrolling in the most suitable health insurance plan based on your specific needs and circumstances.
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 meed Federal standards |
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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."