Short-Term Health Insurance Necessary Until January 1, Says

Leading consumer finance site highlights the possible need for Americans to undertake short-term health insurance to be adequately covered until the new coverage starts in January 2014

PR Newswire

NEW ORLEANS and LOS ANGELES, October 17, 2013 /PRNewswire/ --, the McAfee Secure™ rated loan comparison specialist and consumer finance site, has addressed the issue of how Americans can ensure they have adequate health coverage until the healthcare reform transition is completed on January 1, 2014. Within the next few weeks, state health care exchanges will be gearing up for the changeover, leaving many within an uninsured lacuna if they do not take action.

Sam Malka, spokesperson for, addressed the issue in the following statement that was released to the press:

"One of the biggest changes affecting consumers in America today is the run-up to the January 2014 changeover to Obamacare. This will give millions of Americans the assurance of being covered, but until then what can people do to make sure that they and their families are covered? One option is short-term health insurance."

The statement continued by pointing out some of the weaknesses of short-term plans.

"Short-term health insurance is a restrictive form of health coverage that healthcare reform aims to improve and upgrade. There are limitations to short-term health insurance, of course, as this method of coverage does not cover individuals that have pre-existing conditions. Indeed, applicants can be denied coverage at the discretion of the provider and there is no minimum government standard. However, they are available for period of 6-12 months and can be used until the state-exchanges begin covering Americans on January 1, 2014."

In addition to being available for a number of months at a time, short-term policies or "gap coverage plans" are utilized by foreign exchange students and American citizens in between jobs that wish to circumnavigate expensive COBRA policies, and also those who await Medicare benefits to start.  

According to EHealth, the company running the private health insurance sector within the United States, there are more than 2 million short term policies written each year.

The statement concluded, "It is important to have some form of temporary health insurance until January 1 in order to avoid expensive treatments. For those who still need to cover unforeseen or uncovered medical expenses, we can help introduce them to a range of competitive personal lenders online."


Sam Malka:


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