What is Short-Term Health Insurance in Ohio?
Short-term health insurance in Ohio offers medical coverage for up to 3 months, with an option to renew once for a maximum duration of 4 months. These plans are not ACA-compliant but are ideal for temporary situations.
Short-term plans are great for:
- Individuals between jobs
- People waiting for employer or Medicare coverage
- Adults who’ve aged out of a parent’s plan
- Those who missed ACA Open Enrollment
- Anyone seeking fast, low-cost medical insurance
How Does Short-Term Health Insurance Work in Ohio?
Ohio short-term plans typically cover:
- Doctor visits and urgent care
- Emergency room services
- Hospitalization and surgeries
- Inpatient and outpatient care
- X-rays, lab work, and diagnostic imaging
These plans offer fast approval and are available year-round. Coverage can start the day after approval. Premiums are typically lower than ACA plans but come with limited benefits.
Ohio Short-Term Health Insurance Regulations (2024 Update)
Starting September 1, 2024, updated federal rules apply:
Initial coverage term:
3 months
Optional renewal:
1 months
Total duration:
4 months max
Other key points:
- No federal tax penalty for non-ACA coverage
- Pre-existing conditions are not covered
- Plans can be purchased anytime
- Confirm local rules with the Ohio Department of Insurance
Key Benefits of Ohio Short-Term Health Insurance
Short-term health insurance offers several notable benefits, making it an attractive option for those in need of temporary coverage:
Affordable Premiums:
Generally cheaper than major medical insurance, making it a cost-effective option.
Flexible Coverage Duration:
Provides coverage for up to 3 months, with a one-month renewal option.
Temporary Coverage:
Provides financial protection for unexpected medical expenses during a coverage gap.
Wide Access to Healthcare Providers:
Includes a large network of healthcare providers for doctor visits and emergency care.
Coverage for Essential Services:
Covers emergency care, doctor visits, and prescription drugs.
No Open Enrollment Period:
You can apply for coverage at any time, without waiting for an open enrollment period.
What Does Ohio Short-Term Health Insurance Cover?
Most Ohio short-term health insurance plans offer coverage for general doctor visits, walk-in clinics, and urgent care services. They also include emergency care, such as ambulance transportation and emergency room treatment, which is essential for sudden health issues.
If you’re admitted to the hospital, these plans typically cover your hospital stay and any required surgeries. In addition, diagnostic services like bloodwork, X-rays, and lab tests are often included to help identify and treat new medical conditions.
What’s Not Included in Ohio Short-Term Health Insurance
Ohio short-term health insurance plans typically do not include coverage for pre-existing medical conditions, meaning any health issues you had before enrolling won’t be covered. They also exclude routine preventive care such as annual checkups, vaccinations, or wellness screenings.
If you’re expecting a baby, it’s important to know that maternity and newborn care are not part of these plans. In addition, services like dental checkups, vision care, mental health counseling, or addiction treatment are not covered.
These plans are not meant for long-term or chronic care needs. Instead, they are designed to serve as a short-term solution during brief periods without insurance. It’s essential to review the plan details thoroughly so you understand what is and isn’t covered before signing up.
Who Should Consider Temporary Health Insurance in Ohio?
Ohio short-term health insurance plans can be beneficial for individuals in various situations:
Between Jobs:
If you’re in transition and waiting for employer-sponsored insurance.
Missed ACA Enrollment:
If you missed the ACA Open Enrollment Period and do not qualify for a Special Enrollment Period (SEP).Recent College Graduates:
If you’re 26 and no longer eligible for parental health insurance.
Waiting for Medicare Eligibility:
If you’re approaching age 65 and waiting for Medicare coverage.
Self-Employed Individuals:
If you need temporary coverage while exploring long-term options.
Eligibility for Ohio Short-Term Health Insurance
To be eligible, you must:
- Be under age 65
- Be a U.S. citizen or legal resident
- Complete a health screening form
You may be denied if you:
- Weigh over 300 lbs (men) or 250 lbs (women)
- Have a serious medical condition or recent hospital stay
- Are pregnant or diagnosed with HIV/AIDS
Options for Affordable Health Insurance During a Coverage Gap
| Coverage Option | Pros | Cons |
|---|---|---|
| Short-Term Health Insurance | Lower premiums, quick approval | Limited benefits, no pre-existing condition coverage |
| ACA Marketplace Plans | Comprehensive coverage, subsidies available | Expensive without subsidies, limited enrollment periods |
| Medicaid | Free or low-cost coverage | Strict income eligibility requirements |
| COBRA Coverage | Retain employer coverage | Expensive without employer contributions |
