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11 questions to ask before buying short-term health insurance

Short-term health insurance plans often seem cheaper than traditional health insurance, but buyers must take warning. They may offer a lower monthly premium, but these plans provide coverage only for limited medical expenses.

Insurance is intended to protect you from large financial risks. While the monthly price of a short-term health plan can seem attractive, it can leave you with expensive medical bills.

Before purchasing a short-term health plan, be sure to understand the risk of buying one by carefully reading the policy and asking these 11 questions.

Under Oregon law, short-term health plans can only be issued for three months at a time, including renewals. A new policy cannot be issued by an insurer to a customer within 60 days of expiration of a policy previously issued by the insurer to the policyholder.

Before buying a short-term plan, review the exclusions, ask questions, and make sure you understand how limited it can be. It is necessary to understand all the risks before buying a short-term health insurance plan.

If you have questions, concerns, or problems with your short-term health plan, insurance company, or agent call one of the Division of Financial Regulation’s consumer advocates at 888-877-4894 (toll-free).


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