Why Short-Term Health Insurance Is Not Available in Washington DC
Due to state regulations, short-term health insurance is not permitted in Washington DC. This policy aims to ensure that all residents have access to comprehensive, ACA-compliant health coverage. As of September 1, 2024, a new federal rule limits short-term health plans in other states to 3 months with a 1-month renewal, totaling 4 months. However, this change does not apply to DC, where these plans remain entirely prohibited.
What Are Your Health Insurance Options in Washington DC?
If you’re a DC resident and need coverage, there are several alternatives to short-term health insurance:
1. ACA Marketplace Plans
The Affordable Care Act (ACA) Marketplace offers comprehensive health insurance plans that meet all federal standards. Even if you’re outside the Open Enrollment Period, you may qualify for a Special Enrollment Period due to life events like job loss, marriage, or relocation.
2. Medicaid
DC residents may qualify for Medicaid based on income. Medicaid provides full health coverage at little or no cost and is a reliable option for those with limited financial resources.
3. Employer-Sponsored Insurance
If you or a family member has access to insurance through an employer, this may be your best option. Contact your HR department to learn about enrollment windows and coverage options.
4. AHiX Health Insurance Plans
AHiX offers access to a range of comprehensive health plans tailored to meet your individual needs. Our benefit advisors can help you evaluate your situation and choose the best plan based on your coverage requirements and budget.
