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1. Long Term policy
This option in more involved to apply for
but you can renew it month to month until
they turn 65. Long term health
insurance offers better coverage for
preventative issues and pre-existing
conditions. There are also more
options in terms of what kind of benefits
are available.
2. Short Term policy
These options are easier to qualify for
and enroll but the coverage will
terminate after a certain period of
time. This option should only be
used if you are certain that your need
for health insurance will not extend
beyond the term of the policy.
If health changes while on the plan,
it may be difficult to qualify for
other coverage. Short Term
typically does not cover preventative
services, maternity, or pre-existing
conditions. You can find more
detail on short term health insurance
here.
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