There are a number of reasons why a person may require short-term health insurance. For example, you might need it if you are waiting for another health insurance plan to start. You also might need it if you are between jobs, on strike, a seasonal employee, or a recent college graduate and know that you only require coverage for a short amount of time.
Starting in 2014, an insurance company cannot charge higher rates to individuals who are the same age based on their gender or health status. So you cannot be declined or pay more if you have a health condition. Pricing depends largely on age, family size and geographic location.
Yes, a tobacco user can be charge up to 50 percent more than a non-tobacco user.
