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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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Declined for short term health insurance

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I was just declined for short term health insurance coverage, but it would be helpful to know why...I'm not sure what it means that I (or my spouse?) do not meet eligibility requirements.

A: A decline simply means that you answered “yes” to one or more of the health questions on the application. Health insurance applications are designed so that coverage s only issued if all of the questions are answered “no”. The health conditions listed in those questions screen for each health plan’s eligibility requirements. For alternate health plans that will accept you with a specific health condition, see the article “Short Term Medical Insurance for Specific Situations” at http://FreedomBenefits.netarticles/Short-term-medical-insurance-for-special-situations.htm.


More resources:

article: "Short Term Medical Insurance for Specific Situations"