Who Should Consider Short Term Health Plans in New York?

Short term health insurance is typically marketed to:

• Uninsured individuals needing immediate, temporary coverage

• Self-employed workers seeking affordable, flexible options

• College students or recent graduates in transition

• Those waiting for employer coverage or the next ACA open enrollment

Short Term Health Insurance Laws in New York

State-Specific Regulations:
Short term health insurance is not available in New York. The state has strict insurance regulations and does not allow the sale of short term health plans. This is to ensure all residents have access to comprehensive, ACA-compliant health coverage.

• No Short Term Coverage:
  New York bans the sale and renewal of short term health insurance plans.

• ACA Alternatives:
  Residents are encouraged to enroll in ACA-compliant plans through the New York State of Health Marketplace or to check eligibility for Medicaid or the Essential Plan.

How Much Does Short Term Health Insurance Cost in New York?

• Not Available:
  Since short term health insurance is banned in New York, there are no legal plans or pricing available.

• ACA Plan Costs:
  Instead, compare ACA plans, which average around $500–$700 per month for an individual before subsidies. Many New Yorkers qualify for premium assistance, Medicaid, or the Essential Plan, which can lower costs significantly.

• COBRA:
  If you recently lost employer coverage, COBRA may be an option, but it is often more expensive than ACA or state-based plans.

What Does Short Term Health Insurance Cover?

• Not Available in New York:
  Short term plans are not sold in New York. In other states, these plans may cover:

  • Doctor visits

  • Urgent care

  • Emergency room visits

  • Hospitalization
    But they often exclude:

  • Pre-existing conditions

  • Maternity care

  • Mental health and substance use treatment

  • Prescription drugs (may be limited or excluded)

  • Preventive services

  • Vision and dental care

• Not ACA-Compliant:
  Even if available, these plans do not meet ACA minimum essential coverage requirements.

Top Short Term Health Insurance Providers in New York

There are no legal short term health insurance providers in New York.
In other states, providers include UnitedHealthcare, National General, and Pivot Health, but these are not options for New York residents.

How to Apply for Short Term Health Insurance in New York

• Not Available:
  You cannot apply for short term health insurance in New York.

• What to Do Instead:

  • Visit the New York State of Health Marketplace to compare ACA-compliant plans.

  • Check eligibility for Medicaid or the Essential Plan.

  • Contact a licensed New York health insurance agent or broker for help finding legal coverage options.

When Should You Enroll in a Health Plan in New York?

• ACA Open Enrollment:
  Typically runs from November 1 to January 31 each year.

• Special Enrollment Periods:
  You may qualify for a special enrollment period if you’ve lost coverage, moved, had a baby, or experienced another qualifying life event.

• Medicaid/Essential Plan:
  Enrollment is open year-round if you qualify based on income or other factors.

Short Term Health Insurance vs. ACA Plans in New York

Pros of ACA Plans:

• Comprehensive coverage, including pre-existing conditions

• Subsidies, Medicaid, and Essential Plan available for many residents

• Legal and regulated in New York

Cons:

• May be more expensive without subsidies (but help is available)

• Must enroll during open enrollment or qualify for a special period

Summary:
Short term health insurance is not available in New York due to state law. If you need coverage, your best options are to shop for ACA-compliant plans through the New York State of Health Marketplace, check Medicaid or Essential Plan eligibility, or speak with a local insurance agent for personalized help. This ensures you have comprehensive, legal protection for your health needs.