ACA/Covered California Short-Term Plans

In 2010, California created a state-run health insurance exchange. It is known as Covered California Health Exchange, and it is the government agency offering subsidized Affordable Care Act plans. Open enrollment for Covered California begins on October 15th, but individuals and families may be eligible for special enrollment before that date if they have a qualifying life event, such as getting married, adopting a child, gaining citizenship, returning from active duty and so much more.

If you don’t qualify for special enrollment, you can still check to see if you qualify for Medi-Cal or the Medi-Cal Access Program for pregnant women based on family size and income.

No Covered California Short-Term Health Insurance Plans

California has officially banned the sale of short-term insurance. These short-term plans were much cheaper than plans that comply with the Affordable Care Act. However, they covered far less and can reject people with pre-existing illnesses or limit their coverage. Short-Term Limited Duration Health Insurance cannot be sold or renewed in California.

Aliera Healthcare currently offers short-term interim coverage ranging from 30 – 364 days for California residents. Keep in mind, though, that this is not health insurance. It is a health sharing ministry program. They offer affordable medical cost-sharing by a Health Care Sharing Ministry, but it is not a Qualified Health Plan as mandated by the Affordable Care Act. Still, this is a great alternative when you or your family are in a time of transition.

Aliera offers:

  • Doctor visits & preventative care
  • Emergency room & ambulance cost-sharing
  • Urgent care and more

They have three plans to choose from (Value, Plus, and Premium) depending on how often you need care. If you know you do need some kind of short-term plan relatively quick, you can apply with Aliera today and have health insurance tomorrow. Aliera offers immediate health care.

Currently, Kaiser Permanente, Blue Shield of California and Anthem Blue Cross are not offering short-term health insurance plans. However, you can purchase temporary coverage that is month-to-month during open enrollment from Kaiser and Anthem Blue Cross. If you missed the open enrollment, you can still apply under the special enrollment period for temporary health plans through Blue Shield of California.

Please take note that IHC has removed their short-term Health plans from the California market.

The banning of short-term health insurance is protecting you in the long run. Rather than paying for a plan that does not protect you, enroll in one that actually cares about your health and your future. The options available are not only affordable but also work in your favor to take care of your health from the most basic needs to the most catastrophic.

California short term health insurance is no longer available on any exchanges, like Covered California. If you are unable to purchase major medical health insurance in California, you can still get a quote for short term health insurance from Health For California.