Most short-term health insurance plans give you the option of paying in monthly installments, or in a single up-front payment. Often, single payment plan costs may be lower than monthly plan costs.

We recommend you select “Monthly” , if you:

1. Don’t know exactly how long you will need coverage, or
2. Don’t want to make a single up-front payment

We recommend you select “Single Up-front Payment” , if you:

1. Know exactly how long you will need coverage for,

2. Want lower plan costs, and don’t mind paying your whole premium up-front.

If you select ” Single Up-Front payment” you will need to specify the duration of your coverage (30-185 days). Also, if you select ” Single Up-Front payment” payment, you will enjoy the convenience of not having to manually cancel your plan at the end of your coverage period, although typically you will not be able to get a refund once coverage starts. If you need short-term health insurance after your specified duration, you will need to re-apply for a new short-term plan. (Note: most short-term health plans will only allow you to re-apply once.)

Note: Some insurance companies only offer the “Single Up-Front payment” option, thus selecting this option may give you a greater selection of plans to choose from.

When can my coverage start?

You can request that your Individual and Family health insurance plan start anytime between 1 and 90 days in the future.

However, the insurance companies will typically need some time to process your application so keep in mind that the actual date for the start of your coverage may vary depending on the underwriting process and the availability of your medical records. (Underwriters will receive your application much faster if you “eSign” your application.)

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