<p>Go for regular HI coverage. Avoid temporary insurance because it is temporary (3-6 months), limited (maybe 1) renewal, and limited coverage-benefits. When your DS starts his new job, there may be a probation of 6 months before benefits kick in and if he does not make it through the six months, the temporary insurance will lapse and he will be without. </p>
<p>Temporary insurance may also impose “pre-existing” conditions. </p>
<p>By going from your insurance to his own insurance, the insurance cos waive many of the conditions that get people disqualified. </p>
<p>Current HI system gives you a lot of choices but if the choices are poor…</p>