| Temporary | Supplemental | Travel | HSA | Major Medical | Life | Dental | Ancillary | International | Group | Individual | Accident | Mini-medical
| High deductible | Emergency | Critical Illness | Prescription |
PPO | Guaranteed Issue | Pre-existing Condition
|
Availability of popular low cost health plans
A new class of interim health reform plans aids transition from uninsured
Smart Short term medical insurance from Markel Insurance Company is by the most readily available post-reform low cost health insurance (available in 44 states), followed by Smart Comprehensive Accident Medical insurance from Markel Insurance (39 states) and Core Health Insurance from United States Fire Insurance Company (38 states). Collectively, these three account for a significant portion of the initial entry health insurance plans selected by individuals who were previously uninsured.
Unfortunately, residents of twelve states continue to suffer from the effects of over-regulated insurance market so that these products are not available unless legally purchased while living in another state. Not surprisingly, these states tend to have the highest percentage of residents without insurance.
We hope that consumer activists and residents of Alaska, Connecticut, Kansas, Maine, Maryland, Montana, New Jersey, New York, Oregon, Rhode Island, Vermont, and Washington will demand that their legislators remove the legal barriers to fairly priced limited benefit health insurance or at least allow residents to cross state lines to purchase the reputable insurance plans available by a majority of the people throughout the rest of the country. We believe that affordable guaranteed issue limited benefit insurance plans play an essential role in health care reform transition. Obama administration officials and HHS agree, but lack authority to change state law outside of the scope of the 2010 reform law. While other federal initiatives are under consideration, it appears that it will be left u to the individual states to make interim health reform plans available before 2014.
| STATE | Core Health | Smart Short Term Medical | Smart Accident |
| AL | Yes |
Yes |
Yes |
| AK | |||
| AZ | Yes |
Yes |
Yes |
| AR | Yes |
Yes |
Yes |
| CA | Yes |
Yes |
|
| CO | Yes |
Yes |
Yes |
| CT | Yes |
||
| DE | Yes |
Yes |
Yes |
| DC | Yes |
Yes |
Yes |
| FL | Yes |
Yes |
Yes |
| GA | Yes |
Yes |
Yes |
| HI | Yes |
Yes |
Yes |
| ID | Yes |
Yes |
Yes |
| IL | Yes |
Yes |
Yes |
| IN | Yes |
Yes |
|
| IA | Yes |
Yes |
Yes |
| KS | Yes |
Yes |
|
| KY | Yes |
Yes |
Yes |
| LA | Yes |
Yes |
Yes |
| ME | Yes |
||
| MD | |||
| MA | Yes |
Yes |
|
| MI | Yes |
Yes |
Yes |
| MN | Yes |
Yes |
|
| MS | Yes |
Yes |
Yes |
| MO | Yes |
Yes |
Yes |
| MT | Yes |
||
| NE | Yes |
Yes |
Yes |
| NV | Yes |
Yes |
Yes |
| NH | Yes |
Yes |
|
| NJ | Yes |
||
| NM | Yes |
Yes |
Yes |
| NY | Yes |
||
| NC | Yes |
Yes |
Yes |
| ND | Yes |
Yes |
|
| OH | Yes |
Yes |
Yes |
| OK | Yes |
Yes |
Yes |
| OR | Yes |
Yes |
|
| PA | Yes |
Yes |
Yes |
| RI | Yes |
Yes |
|
| SC | Yes |
Yes |
Yes |
| SD | Yes |
Yes |
Yes |
| TN | Yes |
Yes |
Yes |
| TX | Yes |
Yes |
Yes |
| UT | Yes |
Yes |
|
| VT | |||
| VA | Yes |
Yes |
Yes |
| WA | Yes |
||
| WV | Yes |
Yes |
Yes |
| WI | Yes |
Yes |
Yes |
| WY | Yes |
Yes |
Yes |
| Current Total | 38 | 44 | 39 |
Opinions expressed are the sole responsibility of the author and do not necessarily represent the opinion of Freedom Benefits Association or any other person, company or entity mentioned. Information is from sources believed to be true, but cannot be guaranteed.