Affordable Short Term Medical Insurance

Get comprehensive short term medical insurance that covers your health needs during transitions. Protect your health with top-rated plans. Get a quote today!

What is Short-Term Health Insurance?

Short-term health insurance offers temporary medical coverage, providing a flexible and cost-effective solution for individuals and families during transitional periods. This plan can bridge the gap for those who are between jobs, recently graduated, or waiting for other insurance to start.

Who Should Consider a Short-Term Health Insurance Plan?

Short-term health insurance is ideal for those who:

  • Are between jobs and seeking an affordable alternative to COBRA.
  • Have recently graduated and lost coverage under a family plan.
  • Are newly employed and waiting for employer-sponsored health benefits to begin.
  • Recently retired and waiting for Medicare eligibility.
  • Need coverage during life transitions or while waiting for the next Open Enrollment period.

Benefits of Short-Term Health Insurance

Flexible Coverage Periods

Choose coverage from 30 days to 364 days, with the option to reapply for extended coverage up to 18 months in total.

Lower Premiums

Enjoy lower monthly premiums compared to standard individual health policies, making short-term plans a budget-friendly option.

Quick Enrollment

Apply anytime throughout the year and start coverage as soon as the next day, providing immediate peace of mind.

Wide Network Access

Access a large network of healthcare providers, ensuring you receive quality care when you need it.

Customizable Plans

Select deductibles and coinsurance levels that fit your needs, offering personalized coverage options.

Additional Benefits

Enjoy discounts on services such as telemedicine, fitness programs, & more, enhancing your overall healthcare experience.

How Does Short-Term Health Insurance Work?

Short-term health insurance is designed to provide temporary coverage for essential medical services. While it may not include all benefits of ACA-compliant plans, it typically covers emergency hospital visits, some doctor’s office visits, and outpatient procedures.

Considerations for Short-Term Health Insurance

  • Pre-existing Conditions: These plans often do not cover pre-existing conditions.
  • Coverage Limitations: May exclude maternity care, mental health services, and prescription drugs.
  • State Availability: Not all states offer short-term health insurance plans. Check availability in your state.

Pros and Cons of Short-Term Health Insurance


  • Cost-Effective: Lower premiums than ACA plans.
  • Flexible Enrollment: Apply anytime with quick approval.
  • Temporary Solution: Ideal for short-term coverage needs.


  • Limited Coverage: Excludes many benefits covered under ACA plans.
  • Temporary Nature: Maximum coverage typically up to 36 months.
  • State Restrictions: Availability varies by state.

Important Information about Short-Term Health Insurance Plans

Short-term health insurance plans provide limited benefits and are not required to comply with certain federal market requirements for health insurance, primarily those contained in the Affordable Care Act. Be sure to read your policy carefully to understand any exclusions or limitations regarding coverage for pre-existing conditions, hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health services. If your coverage expires or you lose eligibility, you may need to wait until the next Open Enrollment period to obtain new health insurance coverage.

Need Assistance? Our licensed short-term health insurance agents are here to help you navigate your options and find the right coverage for your needs.