Short Term Health Insurance Plans for Individuals & Families

What is a Short Term Health Insurance Plan?

Short-term health insurance is a budget-friendly option for those needing coverage during life transitions. It is often used to fill gaps in coverage when someone is between longer-term health plans, such as during job transitions, waiting for a new employer’s benefits to begin, or outside the open enrollment period for marketplace insurance. While it doesn't cover pre-existing conditions or offer the full benefits of ACA plans, it can be a good choice if ACA plans are too expensive or unavailable. Note: Short Term Health Insurance is not available in all states.

Benefits of Short Term Health Insurance

Affordability

Short-term health insurance often has lower monthly premiums compared to long-term or ACA-compliant health plans, making it a more affordable option for individuals needing temporary coverage.

Flexibility

You can enroll in short-term health insurance at any time, without waiting for an open enrollment period. Coverage typically starts quickly, sometimes within days, making it ideal for those in transitional periods.

Covers Gaps in Coverage 

It provides a safety net for emergencies, such as accidents or sudden illnesses, during gaps in health insurance, offering protection while you're between jobs or waiting for more permanent coverage to begin.