Is Short Term Health insurance viable for a returning college student?

30 yr old. I recently left my job to go back for a bachelors degree. I have enough saved in my emergency savings to get by for quite a while if I’m budget conscious. I just did all my checkups dental and medical before I left and I’m in good health. I do have a RX but its a cheap one like $10 without insurance.

No need for COBRA the school offers a student health insurance by Spring/Fall terms buts it’s coverage more than what I need for around $320 a month for the next 6 months. No options for anything with high deductibles/low premium. I honestly only really need something for emergencies at the moment.

I was looking into short term health insurances like from Pivot Health. aka junk insurances. For around $140 for 6 months. How reputable are those from ones from Everest, Pivot and Independent American?

Regardless at the end of the 6 months I was going to get on Student Insurance or look into ACA open enrollment.

Edit: Possible plan get my annual human maintenance checkups done in fall and possibly repeat on short term insurance in the spring?

submitted by /u/socksnatcher
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30 yr old. I recently left my job to go back for a bachelors degree. I have enough saved in my emergency savings to get by for quite a while if I’m budget conscious. I just did all my checkups dental and medical before I left and I’m in good health. I do have a RX but its a cheap one like $10 without insurance. No need for COBRA the school offers a student health insurance by Spring/Fall terms buts it’s coverage more than what I need for around $320 a month for the next 6 months. No options for anything with high deductibles/low premium. I honestly only really need something for emergencies at the moment. I was looking into short term health insurances like from Pivot Health. aka junk insurances. For around $140 for 6 months. How reputable are those from ones from Everest, Pivot and Independent American? Regardless at the end of the 6 months I was going to get on Student Insurance or look into ACA open enrollment. Edit: Possible plan get my annual human maintenance checkups done in fall and possibly repeat on short term insurance in the spring?
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