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Medicare, Medicaid, Life and Health Insurance/Switching from "short term" high deductible plan to low deductible comprehensive plan just long enough for son to have surgery


We currently have a $5,000 deductible "short term" (non ACA) health insurance plan. My son was informed that he needs very minor (5 minute) hand surgery. Nonetheless, since it's surgery, it will very likely exceed the $5,000 deductible. My question is this...

Open enrollment is coming up, and I was thinking we could delay the surgery until the beginning of next year after signing up for a low deductible comprehensive plan. Then after the surgery, cancel the low deductible plan and go back on a much cheaper high deductible "short term" plan.

For me the $2,000 year end tax penalty is about $5,000 cheaper than the difference in the amount I would have spent on premiums for a conforming ACA plan.

Any reason this can't be done?

Hello Andrew.  As an insurance professional I have pause as to what you're suggesting.  What if something else happens in April? June? October?  Will you be waiting to take care of the malady until after Jan. 1, 2016?  I suppose you can do as you wish, but to me it's not serving a purpose.
I hope this helps.

Medicare, Medicaid, Life and Health Insurance

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Cindy Hopp


As an expert in Medicare supplemental insurance, I can help you decide which plan is best for you. If you are turning 65 or your rates are just too high, let me shop for you and give you your options. I can also assist the under-65 for their health insurance options. Please include the State you live in.


Having been in the business for 10 years, I keep up with all the new rules of the new Health Reform and am licensed and certified to assist you.

All the continuing education I have taken keeps me up to date with licensing and the insurance industry.

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