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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.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Finding 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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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'm looking for an affordable short term health insurance plan for me and my 9 year old daughter. I will need one month of coverage but am not looking for regular insurance such as doctor visits, dental, vision or RX, but more for unexpected injury/illnesses. I am trying to avoid signing up with COBRA.

A: A short tem medical insurance policy with a high deductible would be perfect for this purpose. These policies are available in most states with online enrollment and immediate issue coverage. See the state-by-state listings at You are smart to avoid COBRA in your situation. COBRA is about 4 times more expensive and is primarily designed for people who need coverage for pre-existing medical conditions. Since this does not seem to be an issue for you, the lower cost coverage provides far better value.


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