While not often discussed, Short-Term Major Medical plans are often the only solution to this problem.
If you missed the enrollment period, weren’t paying attention, didn’t know it was a problem, or just didn’t care – until now – most people cannot get insurance until January 1 at this point.
Short Term Major Medical covers you for anything that occurs while you are covered under the plan – so no pre-existing conditions. Premiums are reasonable, and deductibles range from $1,000- $10,000. I recently wrote a policy for a couple in their 40’s with a $5000 deductible, that covered them through the end of the year. The cost was about $280 a month.
If this sounds like a workable solution to your problem, just give us a call.