New York short-term health insurance

How Does New York Short-Term Health Insurance Work?

In New York, 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.

New Legal Information on New York Short-Term Health Insurance

Recent legislative changes have significantly impacted short-term health insurance. In some states, including New York, 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 York 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.

What Do Short-Term Plans Cover?

Short-term health insurance covers basic medical services related to unexpected illness or injury. Typically, these plans include:

• Doctor's office visits
• Emergency room visits
• Hospital stays
• Surgeries
• X-rays and lab services

Coverage Limits and Exclusions

Short-term plans do not cover all medical needs. They typically exclude:

• Pre-existing conditions
• Maternity care
• Preventive care
• Vision and dental care
• Mental health services

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.

What to Know About New York Short-Term Health Insurance

Short-term health insurance plans are designed to provide temporary coverage and can be a viable solution for those who:

• Are between jobs and waiting for new employer-based coverage to begin.
• Missed the Open Enrollment period for the Affordable Care Act (ACA) plans.
• Are waiting for Medicare eligibility.
• Are young adults no longer covered under their parents' health insurance.
• Need quick proof of insurance (to engage in a special activity or trip)

It is important to note that New York does not allow short-term health insurance. If you live in New York, short-term health insurance is not an option for you. In such cases, you will need to explore other health insurance alternatives, such as:

• ACA Marketplace Plans: Explore options through the ACA Marketplace. Even outside the Open Enrollment period, you may qualify for a Special Enrollment Period under certain circumstances.
• Medicaid: Check if you qualify for Medicaid, which offers comprehensive coverage based on your income level.
• eHealth Insurance: eHealth offers various health insurance options, including ACA plans, that can be tailored to your needs. They provide access to benefit advisors who can help you navigate your options and find the best plan for your situation.

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.

Options for affordable health insurance after losing health insurance coverage

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.

Alternative Options to New York Short Term Health Insurance

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:

• ACA Marketplace Plans: Explore options through the ACA Marketplace. Even outside the Open Enrollment period, you may qualify for a Special Enrollment Period under certain circumstances.
• Medicaid: Check if you qualify for Medicaid, which offers comprehensive coverage based on your income level.
• eHealth Insurance: eHealth offers various health insurance options, including ACA plans, that can be tailored to your needs. They provide access to benefit advisors who can help you navigate your options and find the best plan for your situation.

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.