If you have a special situation that has left you without any type of health insurance coverage, it would be wise to immediately begin searching for a temporary policy. Being totally uninsured leaves you extremely vulnerable. No matter how small the window is between one policy and the next, an unexpected injury or illness could end up costing you thousands. Fortunately, you can purchase affordable temporary health insurance without a great deal of effort.
The good news about temporary policies is that the premiums are often reasonably low. The bad news is that they don’t allow coverage on pre-existing conditions, as can sometimes be negotiated with longer term, more comprehensive policies. For that reason, it is still in your best interest to continue pursuing means of obtaining complete health insurance through a new employer or somewhere else. But to ensure that you do have some degree of protection during this gap, you should purchase affordable temporary health insurance to cover any other costs.
Even though the premiums are generally low, it’s still best to take a short amount of time to search for providers and compare their quotes. You don’t want to take too much time to do this, because the idea is to get yourself insured as soon as possible. Therefore, you should conduct your search for quotes online where you can identify several companies and spend only a few minutes on each site, filling out the online quote questionnaire. When you find a policy that suits your needs, you will often be able to purchase the policy immediately and it will be in effect within 24 hours. Note that if you fail to inform the company of a pre-existing condition, your temporary insurance may not cover any of those related expenses if you file a claim for them.
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