phone icon Get a Quote Find an Agent
Call Us 707-576-5120   |   Toll Free 1-866-477-4225 Get a Quote File a Claim
Logo
☰
  • Insurance
    • Vehicle
      • Personal Auto Insurance
      • RV & Boat Insurance
      • More Vehicle Insurance
    • Home
      • Home Insurance
      • Renters Insurance
      • Dwelling Fire Insurance
      • More Home Insurance
    • Business
      • Business Owners Insurance
      • Business Auto Insurance
      • Workers' Compensation Insurance
      • More Business Insurance
    • Additional Insurance
      • Life & AD&D Insurance
      • Pet Insurance
      • Payment Protection
      • More Options
  • About Us
    • Meet Our Agents
    • RCU Partnership
    • Blog
    • FAQs
  • Contact Us
  • Upload Documents
  • Insurance›
    auto Vehicle
    • Personal Auto Insurance
    • RV & Boat Insurance
    • More Vehicle Insurance
    home Home
    • Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • More Home Insurance
    business Business
    • Business Owners Insurance
    • Business Auto Insurance
    • Workers' Comp Insurance
    • More Business Insurance
    umbrella Additional Insurance
    • Life & AD&D Insurance
    • Pet Insurance
    • Payment Protection
    • More Options
  • About Us›
    Meet Our Agents RCU Partnership Blog FAQs
  • Contact Us
  • Upload Documents

Your Browser Is Not Supported. For the best experience, please upgrade your browser.

Your Browser Is Not Supported. For the best experience, please upgrade your browser.

RCU Insurance Services

 

Home > Blog > Health Insurance
WEDNESDAY, OCTOBER 18, 2023

Health Insurance

Your health and wellness are integral parts of your overall quality of life. But even if you commit to a healthy lifestyle and avoid dangerous hobbies or behaviors, you may eventually suffer injuries or develop illnesses that require medical attention. Given rising health care costs, paying for services can create significant financial stress. With this in mind, fully understanding your health insurance options is essential. Doctors office

How Does Health Insurance Handle Preexisting Conditions? 

Preexisting conditions are health issues you already live with before applying for coverage. The Affordable Care Act (ACA) establishes that ACA-approved plans cannot deny coverage based on preexisting conditions. This means that policies purchased through the health insurance marketplace or acquired through your employer cannot discriminate in such a way. The only potential exceptions to this rule apply to individual health insurance plans purchased before March 23, 2010, and short-term health insurance. 

When Is Short-term Health Insurance a Viable Option? 

Short-term health insurance is one of many coverage options available. As its name suggests, this type of health plan provides financial protection for policyholders for a limited time. Typically, these policies span one to 12 months, and you may be allowed to renew them for up to three years. 

By having short-term health insurance, you may have access to preventive care and medical services. However, these policies are not regulated in the same way as ACA plans, so certain services may not be covered, and preexisting conditions may disqualify you. 

Despite some limitations, short-term health insurance may be an appropriate solution for some parties, such as the following: 
  • Young people who have aged beyond eligibility for coverage under their parents’ insurance
  • Older adults who will soon turn 65 and become eligible for Medicare
  • Families who missed the ACA open enrollment period
  • New hires who have a waiting period before employer-sponsored coverage takes effect 
  • Short-term health insurance is unavailable in some states, so you should consult a qualified insurance professional to discuss your circumstances before pursuing such a policy. 

What Factors Influence Health Insurance Premiums? 

Like many types of insurance, the cost of adequate health coverage may vary significantly depending on various factors, including the following: 
  • Type of plan
  • Location
  • Age
  • Number of insureds listed
  • Tobacco habits
  • Policy details (e.g., deductibles, copays and coinsurance) 

Get the Right Coverage 

At RCU Insurance Services, we have over 20 years of experience working with dozens of carriers to secure optimal coverage for families, individuals and businesses. Our dedicated staff will work with you to assess your circumstances, explore potential policies and secure optimal insurance solutions. Visit our website or call 707-576-5115 for a personalized quote or to learn more. 

 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information. 

 
Posted 1:08 PM

Tags: health insurance
Share |


NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021

  • auto insurance(24)
  • home insurance(13)
  • business insurance(13)
  • renters insurance(11)
  • homeowners insurance(9)
  • homeowners(7)
  • insurance(6)
  • renters(5)
  • bop(4)
  • coverage(4)
  • rv(3)
  • workers compensation(3)
  • recreational(3)
  • automobile(3)
  • business(3)
  • bop insurance(3)
  • business owners policy(3)
  • restaurant insurance(3)
  • policy(3)
  • liability(2)
  • cyber insurance(2)
  • life(2)
  • life insurance(2)
  • belongings(2)
  • contractors insurance(2)
  • health insurance(2)
  • farm insurance(2)
  • boat insurance(2)
  • dwelling fire insurance(2)
  • commercial auto insurance(2)
  • terms(1)
  • disaster(1)
  • workers compensation insurance(1)
  • natural disasters(1)
  • safety(1)
  • crop insurance(1)
  • whole(1)
  • wedding insurance(1)
  • umbrella insurance(1)
  • restaurant(1)
  • gap and mechanical breakdown insurance(1)
  • commercial auto(1)
  • renter's insurance(1)
  • fraud(1)
  • personal umbrella(1)
  • professional liability(1)
  • gap protection(1)
  • grill(1)
  • homeowenrs(1)
  • natural(1)

View Mobile Version
  • Vehicle›
    • Personal Auto Insurance
    • RV & Boat Insurance
    • More Vehicle Insurance
  • Home›
    • Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • More Home Insurance
  • Business›
    • Business Owners Insurance
    • Business Auto Insurance
    • Workers' Compensation Insurance
    • More Business Insurance
  • Additional Insurance›
    • Life & AD&D Insurance
    • Pet Insurance
    • Payment Protection
    • More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 9:00 a.m. - 5:00 p.m.
Vehicle Personal Auto Insurance RV & Boat Insurance More Vehicle Insurance
Home Home Insurance Renters Insurance Dwelling Fire Insurance More Home Insurance
Business Business Owners Insurance Business Auto Insurance Workers' Compensation Insurance More Business Insurance
Additional Insurance Life & AD&D Insurance Pet Insurance Payment Protection More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 8:30 a.m. - 5:00 p.m.
©2025 All Rights Reserved. RCU Insurance Services is a wholly owned subsidiary of Redwood Credit Union. License no. 0D91054. NPN no. 7612227.