Alternatives To COBRA
Short-term medical insurance provides an affordable and flexible solution for individuals between health plans or seeking immediate coverage for new illnesses and injuries.
Unlike traditional insurance, these plans can start next day.
Traditional Plans
- Employer COBRA Continuation
- Obamacare/Affordable Care Act
Shop COBRA Alternatives
Short Term Medical Insurance
New Illnesses & Injury Coverage
The pricing for the plans starts at $85/ mo
Based on age and state availability
Flex Term Health Insurance covers unexpected injuries and new illnesses to protect you from costly medical bills.
Accident Only Insurance with Telehealth
Pre-existing Conditions Do Not Exclude You From Accident Only Coverage
Plans start at $44/month.
Based on age and state availability
The last thing you want is to worry about paying bills when accidents happen. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.
Includes Telehealth giving you access to prescribing doctors for common issues.
Limited Indemnity with Telehealth
Includes Telehealth giving you access to prescribing doctors for common issues.
Core Health Insurance provides a guaranteed acceptance Limited Indemnity Medical plan that covers your basic medical needs. This plan is a good option for people who do not have access to or cannot afford comprehensive health insurance.
This plan helps defray the cost of medical services.
Accessing These Plans
Not all states allow specific types of temporary health plans.
Many states will require you to join a professional association to acquire this type of coverage. If this applies to you, a membership in AUIC.org will be made available to you for access to these plans.
AUIC.org
The Association of United Internet Consumers (AUIC) founding principle is to provide discounted benefits for its members typically not accessible to individuals.
Additional Coverage
Telehealth
MDLive is a Telehealth service that offers round-the-clock access to a network of U.S. Board Certified doctors for diagnosis, treatment recommendations, and prescription refills for common health concerns.
Limited time: 2 months free
Dental Insurance
Ameritas Private Dental Plans
Plans start at less that $1/day.
Based state availability
The Core Dental Insurance plans can provide coverage for preventive, basic and major dental expenses with the dentist of your choice. Also, some plans include additional benefits like vision, hearing, orthodontia, teeth whitening, Dental Rewards® and more.
Core Dental Insurance is a private Ameritas Dental Plan.
Vision Plans
Plans start at $5/month.
Based state availability
EyeMed is the leading vision insurance company in the United States. Its network of over 44,000 independent and retail in-network providers includes thousands of national retail providers like LensCrafters, Pearle Vision, Sears Optical, and Target Optical. This gives EyeMed members access to a wide range of vision care services at affordable prices.
COBRA Insurance
COBRA is a federal law that allows individuals who participate in an employer’s group health plan, to continue paying for that plan when it would otherwise end due to a qualifying event.
Begin COBRA: Refer to the paperwork you received.
Obamacare/Affordable Care Act
Affordable Care Act (ACA) health insurance provides minimal essential coverage, which includes preventive care, emergency services and prescription drugs. This type of insurance is often similar to work-based health insurance.
Begin ACA: Shop the marketplace. We will check for any state or federal subsidies you are entitled to.
Availability of Term Health Plans
Please note that not all health plans discussed or listed on this website are available in all states. Availability is subject to state regulations and may vary accordingly.
Costs and Premiums
The cost of health insurance plans is influenced by various factors, including but not limited to the state of residence and age of the insured.Consult with a qualified insurance advisor for personalized cost estimates.
Pre-existing Conditions
Be aware that the health insurance plans featured on this website may not cover pre-existing conditions. It is important to read the terms and conditions of each plan carefully before making a selection.
