2025 health insurance plan, how to buy health insurance, insurance company recommendations

If you are a low-income person or a disabled person, you can apply for government medical assistance such as Medicaid or CHIP (Children’s Health Insurance Program) , in which case there is no registration time limit

Short-term/fixed coverage medical insurance

If you miss the Open Enrollment Period and do not meet the special event requirements, you can also consider buying a ” Short Term Health Insurance ” first. Short-term medical insurance is also called temporary health insurance, which is usually used to fill insurance gaps, such as during job changes.

Short-term insurance is cheaper, and many can be used the next day after activation. It can reimburse doctor visits and emergency room expenses; however, reimbursement for preventive treatments may be very limited, and it usually does not cover pre-existing conditions, pregnancy check-ups, etc. This type of short-term medical insurance also has different levels of options such as copay and deductible. The reimbursement items depend on the specific plan. It is more suitable for people who cannot buy or cannot afford regular medical insurance.

It should be noted that in many cases, short-term insurance may not be able to be renewed or extended.

In addition to regular medical insurance and short-term medical insurance, some insurance companies may also provide ” Indemnity Plans “, also known as ” fee-for-service “. This type of fixed-amount medical insurance will pay for medical treatment, surgery, hospitalization, etc. for illnesses or injuries included in the insurance terms. Regardless of how much the hospital or clinic charges, the insurance will pay a fixed amount according to the terms (for example, $2,000 per day for hospitalization).

Fixed coverage insurance usually takes effect quickly, has no deductible, and has no medical network restrictions. Generally, you pay the medical expenses yourself and then apply for compensation from the insurance company. The insurance company will send you a check directly according to the terms of the contract. In addition, this type of insurance is also commonly called “Hospital Indemnity Insurance” because it generally only covers major problems such as surgery and hospitalization (some also cover ordinary medical consultations, depending on the specific terms), but the premium is very cheap, and some people will also use it as a supplementary insurance to regular medical insurance.

These two types of medical insurance have cheap premiums and can take effect quickly, and are also suitable for people traveling or staying in the United States for a short period of time.

Dental Plan and Vision Plan