Best Short Term Health Insurance in Arizona

Contributor, Benzinga

Did you know many people find the best temporary health insurance plan from Pivot Health or opt for no enrollment period coverage from Sidecar Health Access Plan?

When you’re considering health insurance plans, the premiums can be daunting. Short term health insurance is an affordable option, but is it the right fit for you? Short term health plans aren’t ACA-compliant, so it’s best to do your research before signing on. Benzinga can help you out. Learn more about short term health insurance in Arizona. 

Best Short Term Health Insurance Options

Here are Benzinga’s picks for the best health insurance providers for short term plans in the Grand Canyon State. 

Sidecar Health Access Plan Sidecar Health Access Plan
Get Started securely through Sidecar Health Access Plan’s website
Disclosure: Plans referred to above are excepted benefit fixed indemnity insurance products marketed and administered by Sidecar Health Insurance Solutions, LLC and underwritten by Sirius America Insurance Company or United States Fire Insurance Company, depending on the state. As an excepted benefit plan, it does not provide comprehensive/major medical expenses coverage, minimum essential coverage, or essential health benefits. You cannot receive a subsidy (premium tax credit and/or cost-sharing reduction) under the ACA in connection with your purchase of such an excepted benefit fixed indemnity insurance plan. Also, the termination or loss of this policy does not entitle you to a special enrollment period to purchase a health benefit plan that qualifies as minimum essential coverage outside of an open enrollment period. Coverage and plan options may vary or may not be available in all states.
# of Healthcare Providers
See any doctor
Online Application?
Yes
1 Minute Review

Sidecar Health Access Plan is another approach to traditional health insurance. Instead of your health care providers billing your insurance, you pay upfront using the Sidecar Health payment card. This results in savings of up to 40% on healthcare costs for its customers. 

Established in 2018, Sidecar Health Access Plan is based in El Segundo, California. Its plan options are easy-to-understand and allow you to shop upfront for affordable health care rather than receiving care and finding out what it costs later. 

Learn more about Sidecar Health Access Plan and how it works.

Prefer to talk to an agent on the phone? Call 866-794-1192 to speak to a representative now.

Best For
  • People who are younger than age 65
  • People in relatively good health
  • People who want to shop for affordable doctors, specialists or procedures
  • People who want transparency in healthcare costs
Pros
  • You can customize your plan
  • It may reduce healthcare costs by as much as 40%
  • It has a mobile app to access information on-the-go
  • No provider network, so you can see any doctor with no referrals needed
  • No enrollment period
Cons
  • Plans are not compliant with the Affordable Care Act (ACA)
  • Plans have an annual coverage limit
Pivot Health Pivot Health
Compare Plans securely through Pivot Health’s website
Disclosure: Availability of plans and policy duration vary by state.
# of Healthcare Providers
Wide range of providers
Online Application?
Yes
1 Minute Review

Pivot Health is your partner in big life changes that may require you to seek temporary health insurance.

Pivot Health can help you find short term health plans, supplemental insurance products and more. Compare plans from multiple providers and get insurance that fits your needs today.

Best For
  • Comparing short term health plans from multiple providers
Pros
  • Work with the most trusted short term health plan providers
  • No network restrictions
  • Telemedicine coverage
Cons
  • Plans not available in every state
UnitedHealthCare UnitedHealthCare
get started Call Now securely through UnitedHealthCare’s website
# of Healthcare Providers
855k+
Online Application?
Yes
1 Minute Review

UnitedHealthcare offers a variety of short-term coverage options that can be customized to fully fit your needs. Searching for plans available in your area is easy — all you need to do is enter your zip code, birthday, gender and history of tobacco use. 

 

Best For
  • Short term plan quotes by zip code
Pros
  • Several types of short term plans available
  • Next day coverage
  • Flexible terms and deductibles
Cons
  • Only available to those between the ages of 19 and 65
Everest Everest
Get started securely through Everest’s website
# of Healthcare Providers
N/A
Online Application?
Yes
1 Minute Review

A reinsurance and insurance company available worldwide, Everest provides short term health insurance for anyone between regular coverage. Their short term medical coverage includes routine and emergency care, prescription coverage and flexible terms and waiting periods.

Best For
  • Anybody who missed the ACA enrollment deadline
  • People between jobs
  • Ineligible or can’t afford COBRA
  • Young people not on parental health insurance
Pros
  • Affordable plans
  • Temporary coverage available
  • Customizable plan features
Cons
  • No mobile app
Aetna Inc Aetna Inc
Compare Quotes securely through Aetna Inc’s website
# of Healthcare Providers
700k+
Online Application?
Yes
1 Minute Review

Get quality care from a trusted insurance provider offering a wide range of insurance products with Aetna.

Best For
  • Those who need temporary coverage and know of Aetna’s stellar reputation
Pros
  • Individual and family plans available
  • Aetna is a trusted healthcare provider
Cons
  • Not much information online
BZ

Arizona Short Term Health Insurance Laws

  • You can renew Arizona short health insurance plans for up to 36 months.
  • Short term insurance plans aren’t required to cover any minimum type of care.
  • You have 10 days to review and return a policy for a full refund.

What is Short Term Health Insurance? 

Short term health insurance plans are designed for a limited period. The initial policy can be up to 364 days, and in Arizona they’re renewable for up to 3 years. 

They’re less expensive because they don’t have as many benefits as health insurance plans compliant with the Affordable Care Act (ACA), also known as Obamacare. 

ACA plans have to cover certain benefits like maternity care. Short term health insurance plans don’t have minimum requirements since they don’t have to follow the rules of the ACA, so they may not cover maternity care, prescriptions and mental health care. 

Short-term health insurance plans cover hospital stays and other serious medical situations. Some also cover preventive care. If that coverage is important to you, review the plan benefits carefully. 

How Short Term Health Insurance Plans Work

Short term health insurance plans typically have a deductible, which is the amount you pay out-of-pocket before the plan starts coverage. The higher your deductible, the lower your premiums. Your premium is the amount you pay for the plan each month. 

Keep in mind that higher deductibles also mean more out-of-pocket costs, so it may be better to pay a higher premium so you don’t have as much to pay out-of-pocket. It all depends on your financial situation and your health.

Like other health insurance plans, short term plans also have copays and coinsurance. A copay is a set amount you pay for a service, like $500 for an emergency room visit. Coinsurance is a percentage you pay for a covered service. For example, you might pay 20% of a hospital stay. 

Short term plans usually have lifetime and annual limits. The annual limit is the maximum the plan will pay in a given year. The lifetime limit is the maximum the plan will pay for as long as you have the policy. 

Short term plans may not cover pre-existing conditions. A pre-existing condition is a health condition that you had symptoms of before the policy starts. For example, if you sprain your ankle right before your plan starts, the plan wouldn’t cover follow-up visits for your ankle. 

Who Needs Short Term Health Insurance?

While these plans have their limitations, short term plans offer affordable health insurance for those who can’t afford or don’t have access to comprehensive plans. Short term health insurance might be a good fit if you’re:

  • Waiting for benefits to start at a new job
  • Healthy and waiting for Medicare to start
  • In between open enrollments for an ACA plan and not entitled to a special enrollment period
  • Turning 26 and no longer eligible for your parent’s health insurance
  • In between jobs
  • Healthy and looking for a less expensive insurance option

When Can You Enroll for Short Term Health Insurance?

One of the more challenging aspects of how to get health insurance is figuring out enrollment. With employer health insurance and ACA plans, you can only sign up at specific times of the year or if you have a significant life change, like marriage or the birth or adoption of a child. 

Short term health insurance plans don’t have the same limits on when you can enroll. With some plans, you can get coverage as soon as the day after you apply, and you can apply any time. 

Short term health insurance plans typically require you to fill out a health questionnaire, and you can be declined for coverage. If you’re not sure whether or not you’ll qualify for coverage, contact the insurance company. They can help you determine whether a short term plan is a good fit for you. 

Where Can You Enroll for Short Term Health Insurance? 

There’s no single website or marketplace for short term health insurance plans in Arizona. Instead, you’ll need to contact companies directly. 

Get quotes from multiple short term insurance providers so you can compare benefits and pricing. Dig into the fine print on each plan. For example, a plan with a higher premium that covers preventive care might be a better fit than a lower premium but no preventive care.

Most short term health providers make it easy to get a quote online. You can also call to learn more about the plans.  

Find Short Term Health Insurance Now

While Arizona short term health insurance plans don’t have all the bells and whistles of ACA plans, they provide some coverage. Having something in place can make all the difference if you’re faced with a significant hospital or doctor bill. 

These plans can help fill the gap while you’re waiting for access to a more comprehensive plan. Start with our recommended providers to find short term health insurance now.

Q

Are short term health plans available everywhere?

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Are short term health plans available everywhere?
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Many states allow them and several outlawed this type of coverage. Others place restrictions. These laws have been in flux over the past few years, so we suggest refreshing your knowledge each time you search for a plan.

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Q

Are short term health plans more affordable?

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Are short term health plans more affordable?
asked
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A short term health plan premium is often lower than your average health insurance premium. However, due to limited benefits, high deductibles, low annual maximums and a lack of certain coverage, such as for preexisting conditions, may mean you end up paying more in the long run.

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