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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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Short term HIPAA coverage

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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

Q: Does a short term HIPAA plan exist?

A: HIPAA refers to the Health Insurance Portability and Accountability Act, a federal law that is intended to ensure that everyone, regardless of health status, has access to at least one health insurance plan. Short term health insurance refers to a low cost type of health insurance that does not cover the cost of pre-existing medical conditions but offers easy online enrollment with immediate coverage. Short term health insurance is not available to everyone So the answer to your question is that HIPAA coverage may be used for only a short period of time (one or two months, for example) but this insurance does not offer any of the cost or ease of use advantages of short term health insurance. There is no such thing as "low cost HIPAA" coverage since these HIPAA plans are generally the most expensive health plans available.


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