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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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Three months between jobs

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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: I am changing jobs and will be without insurance for about three months. I like the American Health Shield health policy at but this is a six month policy. Is there a way to get it for a shorter period? What about other benefits?

A: Yes. Most policies are issued on a month-to-month payment using a credit card or debit card and American Health Shield is one of the most popular choices for this purpose. You simply call the (800) number on the back of your ID card to stop the billing whenever you want. For only three months, it is probably not worthwhile to replace other benefits, but these are also available on a short month-to-month payment if you wish. It is estimated that the average person has between five and seven breaks in group health insurance lasting 90 days or longer over their lifetime and that this type of "transient" situations make up more than half of the Americans without health insurance.


More resources:
American Health Shield