Self Employed Health Insurance Coverage Plans, Short Term Medical Insurance Coverage

What is VIPER Health Insurance ?

VIPER allows individuals who decline COBRA the opportunity to obtain credible short term major medical health insurance. When an individual or family loses their current medical coverage, COBRA allows them to receive more affordable health care insurance by paying the group rates they were receiving at their former job, rather than more expensive private medical insurance.

However, COBRA is only a temporary medical insurance solution, as there is a limited amount of time that an individual or family will be eligible to receive coverage. In addition, approximately 93% of the workers who qualify for COBRA cannot financially manage to pay the monthly payments, which can be as high as 102% of the premium. Although COBRA is meant to serve as affordable health insurance for self employed families and individuals, it is unfortunately not a realistic option for the vast majority of people who are eligible for the program. Therefore, there is quite a significant group of individuals that are forced to walk away without health coverage. Unfortunately, without any sort of short term medical coverage, they are only putting themselves are risk for greater financial hardship in the future if they or a member of their family unexpectedly faces any sort of illness or accident that requires major medical attention.

Unlike COBRA, VIPER was designed for the consumer. Through Variable Insurance Products Electronically Requested (VIPER), workers and their families now have what is often a more affordable and more flexible alternative to the option of COBRA. VIPER eliminates both the higher premiums and time restrictions that exist with COBRA, creating a medical coverage option that is far better for most individuals. VIPER allows individuals to design self employed health insurance plans that can suit their financial needs by giving them the opportunity to change co-payments and deductibles, allowing them to create a plan that caters specifically to them. VIPER is the industry standard alternative to COBRA, offering self employed health insurance coverage to both public and private sectors.

If you are eligible for VIPER, and think that it sounds exactly like what you need in terms of health insurance coverage, then be sure to apply for one of our free no-obligation short term medical insurance quotes today!

VIPER Alternative Insurance Plan Information & Free Online Quote