Short Term Health Insurance Colorado

Colorado 's percentage of uninsured non-elderly residents is extremely high at one in three. However, a Kaiser Foundation 2002-2003 study determined that 72 percent of Colorado 's non-elderly uninsured had at least one full-time worker in the family. Thirteen percent had one or more part-time workers in the family, and fourteen percent were non-workers. On the other hand, most people between jobs or not working would be available for short term insurance health insurance Colorado . Americans for Health Care found that of the 32 percent uninsured in Colorado , two-thirds went without insurance for six months or more.

Where to find Short Term Health Insurance in Colorado

These numbers suggest that more people in Colorado could take advantage of short term health insurance to cover them during transition times, contract work, and while working temporary jobs. Some short-term plans offer coverage for up to a year, providing a solid option for people who are in-between jobs, working part-time, or unsure of where they will work permanently. The Americans for Health Care study showed that almost 16 percent of unemployed and uninsured state residents were either looking for employment or on temporary leave from work.

Other people who might consider a health insurance plan for the short term are those just launching a new business; the self-employed; and temporary, substitute, or seasonal employees. Recently graduated students are another eligible category, especially given the number of universities and colleges throughout the state, especially in Denver and Colorado Springs . Certainly students and graduates are part of the uninsured population, and many are not aware they can buy health coverage for as little as $25 a month.

For those people leaving a job with a gap in coverage before the next job, they can either choose short term insurance or remain with the same health insurance carrier that covered their current employer for up to 18 months. This feature is available due to a bill passed by the Colorado Legislature to protect employees using group health plans.

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