Affordable health insurance
for temporary coverage gaps
Plans starting at $54/month
Discover Affordable Short Term Health Insurance
Short term medical coverage provides financial protection against high medical costs when you’re not eligible for more comprehensive health plans, such as those offered through the marketplace or employer-based coverage. It offers peace of mind for both routine medical care and unexpected health issues.
Why Choose Short Term Health Insurance?
Flexible Coverage Options
Tailor your plan to suit your needs—choose from a range of coverage levels including routine care, specialist visits, hospital stays, and more.
Wide Network of Providers
Access a broad network of trusted doctors and specialists. Enjoy the freedom to choose from a wide range of healthcare professionals.
Affordable Plans
Find a plan that fits your budget. With various options and competitive pricing, you can get the coverage you need without breaking the bank.
Quick and Easy Enrollment
Our straightforward application process means you can get covered quickly. Enjoy hassle-free enrollment with expert support along the way.
Additional Benefits
Take advantage of added perks such as wellness programs, preventive care, and additional services like dental and vision coverage.
Need Help Finding a Plan?
Short Term Health Insurance Plans
Short-term health insurance is designed to provide temporary coverage for people who need health insurance for a limited period, often less than a year. It’s often used in situations like transitioning between jobs, waiting for other coverage to start, or during other short-term gaps in health insurance. Short-term plans usually cover essential health benefits, but they often have limited coverage compared to standard plans. They may not cover pre-existing conditions, preventive care, or prescription drugs as comprehensively.
These plans are generally less expensive than traditional health insurance, but the trade-off is often less comprehensive coverage. Short-term plans can be easier to obtain and can start quickly, but they are not available in all states and may not be subject to the same regulations as ACA-compliant plans. Because they are not required to meet ACA standards, short-term plans might have higher out-of-pocket costs and fewer benefits. They might also have stricter limitations on coverage and may exclude certain types of care.
It’s important to carefully read the terms and conditions of any short-term plan and compare it with other options to ensure it meets your needs.
Why Choose a Short Term Health Insurance Plan?
A short-term insurance plan is ideal for covering gaps in coverage when you’re temporarily uninsured. It offers limited protection for a set period, providing coverage until you can transition to a more permanent plan.
Whether you’re a recent college graduate, between jobs, or an early retiree, a short-term plan can help. It’s also useful if you need to cover your children while waiting for a family plan. Unlike ACA plans, short-term plans don’t cover preexisting conditions, and you’ll need to answer a series of medical questions to apply.
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