In Illinois, short-term health insurance can be purchased from insurance providers outside of the state health insurance exchange. The state currently restricts short-term health insurance lengths to less than six months and allows the plans to be renewable for up to 36 months. In addition, you cannot purchase a new short-term plan from the same insurer within 60 days of the end of your last short-term policy.
Stay in your network. Most health plans like HMOs and PPOs, require you to use certain doctors, hospitals and other health care professionals. Stay in your network when possible to help avoid paying more. Register or log in to Blue Access for MembersSM, our secure member website, for a personalized search experience based on your health plan and network.
Out-of-network/non-contracted providers are under no obligation to treat Humana members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

That means you could buy a short-term plan today and — if you’re approved through the underwriting process — you could have coverage in force as soon as the next business day. This aspect of short-term plans is particularly appealing to consumers who are planning to buy ACA-compliant coverage but who face a wait of days or weeks — or even months — before that coverage takes effect.


Our short-term health insurance plans can help you bridge the gap in your healthcare coverage for up to three months when you're going through a transition. Short-term plans can save you money, but they aren't compliant with the Affordable Care Act and they don't have coverage requirements. Pre-existing conditions aren't covered and you will be subject to medical questions and Underwriting approval.
Generally, the less you pay out-of-pocket for the deductible, co-payments and co-insurance, the more you pay in premiums for the coverage. So, in this case, Platinum plans will charge higher premiums than the other three plans, but you won't pay as much if you need healthcare services. Bronze, meanwhile, has the lowest premiums, but the highest out-of-pocket costs. 
To find out if you can get on Medicaid now, go to HealthCare.gov. If the federal government is running the Marketplace in your state, you can fill out an application there. If your state is running its own Marketplace, you will be directed to another website where you can fill out an application. You can fill out one application to see if you qualify for Medicaid or for a tax credit to buy insurance on the Marketplace.
Incidentally, when the Affordable Care Act was originally passed, you had to pay a penalty tax for going without health coverage unless you met certain exemption criteria, including financial hardship. But going forward, in 2019, there will be no fee if you don’t have health insurance. (If you were uninsured in 2018, you will be penalized on your 2018 tax form for that.)
Insurance companies can put applicants for short-term health insurance through the underwriting process, so you’ll be charged more if you have a pre-existing condition. You can even be turned down for coverage entirely if the insurer feels you’re too big of a risk to insure. However, if you’re young, healthy, and pose little risk of expensive claims for the insurer, short-term health insurance can be a surprisingly low-cost health insurance option.
Low cost health insurance plans are available from Blue Cross of California, Blue Shield, Health Net, Oscar, Aetna, and Kaiser Permanente. California Health Plans specializes in providing health insurance plans for individuals, families, and small businesses. Our website offers free health insurance quotes and allows you to compare Blue Cross insurance plans, Blue Shield insurance plans, and other medical plans.
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If you’re shopping through your state marketplace, know that catastrophic plans aren’t eligible for subsidies that apply to other marketplace plans. If you’re eligible for subsidies, the savings can make up most of the cost difference between catastrophic plans and high-deductible bronze plans, sometimes making bronze or even silver more affordable because of better coverage. (In case it helps in your decision making, most people don’t choose catastrophic coverage; less than 1% of people enrolled in the health insurance exchange select it.)

Health plans are divided into five categories to make comparing them easier. The categories are based on the percentage of health care costs the plans pay and the portion you pay out of pocket, including the deductible, copayments and coinsurance. The percentages are estimates based on the amount of medical care an average person would use in a year. The categories are:
If your state has not expanded Medicaid: You may qualify based on your state’s existing rules. These vary from state to state and may take into account income, household size, family status (like pregnancy or caring for young children), disability, age, and other factors. Because each state and each family situation is different, there’s no way to find out if you qualify without filling out an application.
Incidentally, when the Affordable Care Act was originally passed, you had to pay a penalty tax for going without health coverage unless you met certain exemption criteria, including financial hardship. But going forward, in 2019, there will be no fee if you don’t have health insurance. (If you were uninsured in 2018, you will be penalized on your 2018 tax form for that.)
Our online health insurance quote system is free and fast. You can quickly evaluate health plans based on the types of coverage provided, deductible amount, and plan type. Within seconds you can view complete plan details and premium information. You can apply online to Blue Cross of California, Blue Shield, Health Net, Aetna, Oscar and Kaiser Permanente through our website. Please call us at 1-866-657-8222 if you have any questions. California Health Plans is one of the top online insurance agencies in California and we are confident that we can help you find a low cost health insurance plan.
Generally, the less you pay out-of-pocket for the deductible, co-payments and co-insurance, the more you pay in premiums for the coverage. So, in this case, Platinum plans will charge higher premiums than the other three plans, but you won't pay as much if you need healthcare services. Bronze, meanwhile, has the lowest premiums, but the highest out-of-pocket costs. 

Whatever your stance on health care reform, there’s no denying that the ACA has given the uninsured a new option. The ACA, the legislation behind the new health insurance exchanges, aims to make affordable health insurance available to everyone regardless of pre-existing conditions that traditionally make plans too expensive (or keep them out of reach entirely). It also prohibits insurers from dropping you because you get sick, and puts an end to lifetime and yearly plan limits for essential care.
The Kaiser Family Foundation web site is a good place to start in researching your eligibility for various government programs or, if you are losing coverage because of a layoff, continuing workplace benefits through the federal law known as Cobra. Once Cobra coverage runs out, insurers may be required under federal law to sell you another policy, though there’s no guarantee on the price. But different states implement this rule in different ways.
A health care sharing ministry is an organization that facilitates sharing of health care costs among individual and families who have common ethical or religious beliefs. A health care sharing ministry is not actual insurance, is not regulated by the Department of Insurance, does not use actuaries, does not accept the risk or make guarantees, and does not purchase reinsurance policies on behalf of its members.
For a chosen tier of coverage, your age will directly impact the premiums you pay for health insurance. A 40-year-old would pay 28% more for health coverage than a 21-year-old would pay, which would translate to an additional $92 per month for a Bronze plan but $123 more for a Gold plan in Texas. However, that 40-year-old would pay 53% cheaper rates than what a 60-year-old would pay for the same coverage.
These subsidies can only be used to buy Obamacare health insurance sold on the Affordable Care Act’s health insurance exchanges, also known as the Marketplace. They can’t be used to help pay for health insurance through your job or a health plan purchased off of the Marketplace. Obamacare subsidies aren’t available to undocumented immigrants. However, most legally-residing immigrants can apply. You can check HealthCare.gov for details.
One more tip: Consider opening a health savings account (HSA) if you go with a high-deductible plan, which are often called high deductible health plans (HDHP). You can sock away money in an HSA completely tax-free to help you pay for health care. Individuals can contribute up to $3,500 in 2019 as long as they are enrolled in a health care plan with a deductible of at least $1,350.
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