Anyone who can pass an insurance company’s medical underwriting rules can buy a short-term health insurance plan, Norris says. “That usually means being under 65 and being in fairly good health,” she notes. Underwriting refers to how an insurance company determines your medical condition to decide if they will offer you coverage, at what price and with what exclusions.
There are 11 states in which short-term health insurance plans are unavailable “either because they have banned them or because they have rules in place that are strict enough that insurers have chosen to opt out.” don’t sell blueprints there,” says Norris. As of 2021, short-term coverage is not available in California, Colorado, Connecticut, Hawaii, Maine, Massachusetts, New Jersey, New Mexico, New York, Rhode Island and in Vermont.
How do you qualify?
“You don’t have to do anything to qualify, per se,” said Archambault. All you have to do is sign up and pay for coverage.
Most short-term health insurance plans use “very limited medical underwriting during the application process,” says Norris. “They usually only have a handful of yes/no questions about important medical conditions and will provide coverage for anyone who can answer ‘no’ to all of the questions.”
“Loss underwriting” is common with short-term plans, which means that when you file a new claim, the insurer will often comb through the records to make sure it’s not related to a pre-existing condition, adds Norris. “If so, they can deny the application or even cancel the policy,” she says.