Find The Best Affordable Health Solutions
Short Term Health Insurance
Discover short-term limited duration health plans to help fill coverage gaps.
Short-term plans can offer a temporary solution that provides the benefits you need for as long as necessary.
Is short-term insurance the right choice for me?
Short-term insurance may be a suitable option for you if you are:
Waiting for open enrollment to apply for an Affordable Care Act (ACA) plan
Not experiencing a situation that’s a qualifying life event and you don’t qualify for a Special Enrollment Period (SEP) to apply for an ACA plan
Waiting for ACA coverage to start
Looking for coverage to bridge you to Medicare
Turning 26 and are coming off your parent’s insurance
Between jobs or waiting for benefits to begin at your new job
Healthy and under 65
In these situations and many others, short-term health insurance -also known as temporary or term health insurance- could be the right fit for you. It can help bridge the gap in coverage until you can select a longer-term solution.
Why choose short term plans from HEALTHCOVERAGE.INFO?
Quick coverage
Obtain coverage as soon as the day following your application
Apply fast
Brief application questions help assess your eligibility for coverage.
Savings your way
Choose your deductible amount from a variety of options.
Large provider network
Access a broad network of healthcare professionals, including a wide range of physicians and providers, along with numerous hospitals and facilities.
Find coverage that’s available quickly, often as soon as the day after your application
Choose your deductible from a variety of options
Apply throughout the year in most states
Cancel coverage without any penalty
See any doctor in the nationwide network without requiring referrals
Durable short-term plans that provide lasting coverage
Many providers have been offering short-term medical insurance plans for over 25 years, providing flexible coverage options for those in need.
Commonly Asked Questions
Continue reading to discover more about short-term plans and how they function.
How long can I get coverage with short term plans?
Short-term health insurance can provide up to 4 months of total coverage within a 12-month period.
What do short term plans cover?
Short term coverage will vary, depending on the plan you choose. Check your plan details to learn about coverage for common care and services like these:
Preexisting conditions
Most short-term plans do not cover pre-existing conditions. Be sure to check your state’s definition of pre-existing conditions for specific details. Additionally, short-term medical plans are medically underwritten.
Preventive care
Limited preventive care may be covered in some cases.
Prescriptions
Coverage might be available with certain plans.
Virtual visits (telehealth)
Some plans may include coverage for telehealth services.
How quickly can coverage start?
Many, though not all, short-term health insurance plans can begin as soon as the day after your application is received. You also have the option to select a later effective date according to your individual needs.
Can I get a short term plan as temporary insurance between jobs?
Yes, short-term medical insurance can serve as a temporary solution to bridge gaps in coverage, such as when you are:
• Between jobs
• Waiting for other coverage to begin
• Waiting to be eligible for Medicare coverage
• Without health insurance, outside of Open Enrollment
In situations where you find yourself in a coverage gap, seeking the best short-term health insurance plan may be the ideal solution for you.
How are short term insurance plans different from ACA plans?
When considering short-term health insurance, it’s important to remember that you’re not purchasing an ACA health plan. Here are a few key differences between short-term plans and ACA plans.
| ACA plans | Short term plans | |
|---|---|---|
| Are preexisting conditions covered? | Yes. You cannot be denied coverage based on preexisting conditions. | No. You must answer a series of medical questions to apply for coverage. Short Term Medical plans are medically underwritten. |
| Are essential health benefits are covered? | Yes. Plans are required to cover 10 essential health benefits, including maternity and newborn care, mental health and substance abuse disorder services. | No. There are no specific coverage requirements. Plans vary in what they cover. Check your plan details carefully. |
It’s true that you can save money by opting for short-term health insurance. Just make sure you understand what you’re purchasing and that it suits your needs. In the right circumstances, short-term insurance plans can offer quick, flexible, and temporary health coverage that aligns with your requirements.