Cewek Seksi Jakarta Are you facing a gap in health insurance coverage? Recent college graduates waiting for new job benefits to begin, early retirees not eligible for Medicare, workers in transition between jobs, and individuals facing a layoff - all are common examples of individuals in need of short-term or temporary health insurance coverage. A common solution for covering any of these temporary needs is short-term health insurance plan. COBRA or Short-Term Health Insurance? If you are in a job transition or were recently laid off, you may have COBRA offered to you. Should you opt for COBRA, or should you opt for short-term insurance coverage on a private basis? The most important factors to consider when choosing whether to extend an employer's health plan through COBRA, or to purchase short-term coverage, are the expected duration of the gap, benefits covered, your household budget, and if you have any "pre-existing" medical conditions. If you are in transition between jobs or simply have a short-term gap that has been clearly identified, temporary health insurance may be the best option to consider, as it is typically much more affordable than COBRA offerings. Most short-term plans can be purchased for periods of 30-360 days (duration varies by state) and can become effective the same day, making them both flexible and convenient.