Short Term Health Insurance Plans
Short term health insurance provides temporary medical coverage when you need a bridge between plans. Whether you're between jobs, waiting for employer benefits to start, or aging off a parent's plan, short term coverage protects you from unexpected medical bills at a fraction of the cost of major medical insurance.
Who Is This For?
- People between jobs or waiting for new employer benefits to start
- Recent college graduates aging off a parent's plan
- Individuals who missed open enrollment and need immediate coverage
- Early retirees not yet eligible for Medicare
- Anyone needing temporary coverage during a life transition
Key Benefits
Coverage as Soon as Tomorrow
Many short term plans offer next-day effective dates so you're never without protection.
Lower Monthly Premiums
Short term plans typically cost significantly less per month than major medical insurance.
Flexible Term Lengths
Choose coverage for 30 days up to 364 days depending on your state and needs.
Quick Application Process
Apply in minutes and get a decision the same day. No complicated marketplace process.
How It Works
- 1
Tell Us What You Need
Share your zip code, desired coverage dates, and any preferences.
- 2
Review Options with an Agent
Your agent compares short term plans and finds the best fit for your timeline and budget.
- 3
Get Covered Fast
Enroll and start coverage as early as the next day.
Coverage Details
| Feature | Details |
|---|---|
| Coverage Duration | 30 days to 364 days, with renewal options in most states. |
| Premiums | Typically 50-80% less than ACA plans, starting under $100/month in many areas. |
| Deductibles | Choose from a range of deductible options to balance premium cost vs. out-of-pocket risk. |
| Doctor Visits | Covered after deductible. Some plans offer copay options for office visits. |
| Emergency & Hospital | Emergency room visits and hospital stays covered after deductible. |
| Limitations | May exclude pre-existing conditions. Not available in all states. Does not satisfy ACA requirements. |