2017 Short-Term Health Choices

[happylife1]

Who provides short term health plans;

1. Top 2 lowest premium plans (preferably Nationwide)
2. Top 2 plans with better benefits at a decent premiums
3. Any plans 12 months or Strategy to have 12 months coverage
including buy 6 months plan, and reapply same plans or thru different plans
4. ACA Penalty waiver options

Need good advice from gurus...

 

[rcduggan]

Who provides short term health plans;

1. Top 2 lowest premium plans (preferably Nationwide)
2. Top 2 plans with better benefits at a decent premiums
3. Any plans 12 months or Strategy to have 12 months coverage
including buy 6 months plan, and reapply same plans or thru different plans
4. ACA Penalty waiver options

Need good advice from gurus...

1. meh
2. meh
3. no 12 month stm carriers/plans in the state of california and yes strategy to buy two (6 month) plans from different carriers for annual coverage as you cannot purchase the same carrier twice
3. is that a joke or a serious question? PPACA has outlined minimum essential coverage and essential health benefits required for a plan to comply

 

[taterpeeler]

The rookies are trying to sell health insurance... good bye rook..... read the damn law... all of it like we that have been reading this law since 2009... actually March 23... I think that is the date dumbo signed it

 

[kgmom219]

The rookies are trying to sell health insurance... good bye rook..... read the damn law... all of it like we that have been reading this law since 2009... actually March 23... I think that is the date dumbo signed it

March 23, 2010.

WAIT.

You mean I can't get a standard plan, that's available nationwide, with the same rates in every state??? There goes my entire OEP strategy....

 

[taterpeeler]

March 23, 2010.

WAIT.

You mean I can't get a standard plan, that's available nationwide, with the same rates in every state??? There goes my entire OEP strategy....

Or... What do you mean there is no PPO plan?... .or.....

... Now tell me again how I sell this grandfathered Plan thing you mentioned?

All comments from the BCBS TX meeting

 

[Yagents]

My clients will be demanding STM this year to avoid ACA.
Only way to stay insured for many.
Unless the gov't takes away another option from millions of people.
Furthering the death spiral.

 

[scagnt83]

In SC, UHC and IHC both have decent short term policies. They even have co-pay options for doctor or specialist visits. Deductibles down to $2k I think... maybe $1500, can't remember the exact lowest option. Preventive falls under the deductible. Benefit caps are from $1mm - $2mm.

BCBS has the lowest priced plans but they are very bare bones.

I'm currently riding the STM wave.