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Short Term Coverage
In between health insurance plans? You can get same-day protection from Short Term Insurance with many of the same benefits as a major medical plan for a fraction of the cost.
Plans starting around $49/month*
*Average plan pricing displayed above is for an unmarried 40 year old male, non-smoker, residing in the state of Florida. Rates and plan availability vary with selected benefits, location, and household circumstances.
Explore additional insurance options:
IMPORTANT: This is a short‐term, limited‐duration policy, NOT comprehensive health coverage
This is a temporary limited policy that has fewer benefits and Federal protections than other types of health insurance options, like those on HealthCare.gov.
| This policy | Insurance on HealthCare.gov |
|---|---|
| Might not cover you due to preexisting health conditions like diabetes, cancer, stroke, arthritis, heart disease, mental health & substance use disorders | Can’t deny you coverage due to preexisting health conditions |
| Might not cover things like prescription drugs, preventive screenings, maternity care, emergency services, hospitalization, pediatric care, physical therapy & more | Covers all essential health benefits |
| Might have no limit on what you pay out‐of‐pocket for care | Protects you with limits on what you pay each year out‐of‐pocket for essential health benefits |
| You won’t qualify for Federal financial help to pay premiums & out‐of‐pocket costs | Many people qualify for Federal financial help |
| Doesn’t have to meet Federal standards for comprehensive health coverage | All plans must meet Federal standards |
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1‐800‐318‐2596 (TTY: 1‐855‐889‐4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions about this policy?
For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
Quick Quote, Easy Enroll
Quick Quote, Easy Enroll
Quick Quote, Easy Enroll
Quick Quote, Easy Enroll
Short Term Health Insurance
Short term health insurance is a great way for people to fill gaps in insurance coverage without sacrificing routine healthcare services. In some cases, you can get coverage as soon as tomorrow and can cancel anytime without a termination penalty. Plus, short term plans offer a range of deductibles making it easy to find the right benefits at the right price.
Short Term Plan Benefits
Doctor Visits + Urgent Care
Your Physician + Any Specialists
Labs, X-Rays, + Screenings
Emergency Room + Hospital Coverage
Major medical insurance isn’t always the right choice for everyone.
If you’ve missed the deadline for open enrollment, or you just can’t afford the premiums and deductibles that come with a traditional health insurance policy, then short term coverage might be a good alternative for you. As the name implies, short term health insurance is temporary medical coverage. These plans are ideal for people in transition, whether you’ve changed jobs and need something to fill the gap between employer-sponsored coverage, you’ve just graduated college or been dropped from your parents’ plan, or you’ve retired early but don’t qualify for Medicare yet.
Short term health policies run from 30 days to under three months. They cover limited benefits, don’t include pre-existing conditions and aren’t guaranteed-issue or renewable. Despite these drawbacks, short term health insurance makes sense for certain people. Premiums are much lower than for major medical policies, they cover a variety of benefits depending on the plan you choose, and they offer peace of mind if you don’t have major medical insurance but need some kind of protection in place. Combined with other policies, like standalone critical illness protection, short term medical plans can form one part of a decent private benefits package.