Looking into short term health insurance, unsure what my other options are

Currently I work as an as needed nurse at multiple facilities. I really enjoy my work and schedule, so this is something I am unwilling to change. While I am working 40 hours, it is split between multiple facilities, making me ineligible to get benefits through them.

I’ve been looking at short term health insurance, through united healthcare, and it seems like the cheapest option. If I get the bougie plan, it is only $250 a month. From what I’m told short term insurance will never cover as much as regular health insurance, but I am and young (single, no kids F26) and in good health so I’m not too worried. It also enables me to keep the same doctors I go to currently, which is a huge bonus in my eyes.

My understanding is that I can only have “short term” insurance for 36 consecutive months (I live in PA). Would I need to take a certain length of a short term insurance break to be eligible on the future? Or can I never be eligible for short term insurance again? Am I able to open my own HSA with my own short term insurance?

Are there any other reasonably priced insurance options? I thought about signing up for government insurance on Penny, but seeing as that is income based I’d be paying much more (making ~$100k/year). Are there any other websites/options I could use to get insurance?

submitted by /u/pinksapphire55
[link] [comments]Currently I work as an as needed nurse at multiple facilities. I really enjoy my work and schedule, so this is something I am unwilling to change. While I am working 40 hours, it is split between multiple facilities, making me ineligible to get benefits through them. I’ve been looking at short term health insurance, through united healthcare, and it seems like the cheapest option. If I get the bougie plan, it is only $250 a month. From what I’m told short term insurance will never cover as much as regular health insurance, but I am and young (single, no kids F26) and in good health so I’m not too worried. It also enables me to keep the same doctors I go to currently, which is a huge bonus in my eyes. My understanding is that I can only have “short term” insurance for 36 consecutive months (I live in PA). Would I need to take a certain length of a short term insurance break to be eligible on the future? Or can I never be eligible for short term insurance again? Am I able to open my own HSA with my own short term insurance? Are there any other reasonably priced insurance options? I thought about signing up for government insurance on Penny, but seeing as that is income based I’d be paying much more (making ~$100k/year). Are there any other websites/options I could use to get insurance? submitted by /u/pinksapphire55 [link] [comments]Read Morer/HealthInsurance

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