Life & Health Insurance
Short-Term Health Insurance
Short-term health insurance provides temporary medical coverage for people who find themselves in a gap between plans. Whether you're waiting for employer benefits to begin, between coverage periods, or simply need an affordable bridge option, short-term plans can be activated quickly and provide coverage for a defined period — typically anywhere from one to twelve months, with renewal options in some states. While short-term plans are less comprehensive than ACA-compliant plans, they offer lower premiums and fast enrollment for people who need coverage right away.
What Short-Term Health Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Emergency room and urgent care visits during a gap in coverage
Doctor visits and outpatient care for unexpected illnesses
Hospital stays for accidents or sudden medical events
Diagnostic testing and imaging for covered conditions
Coverage while waiting for employer benefits to begin or during job transitions
Basic medical protection at a lower premium than comprehensive plans
Who Often Explores Short-Term Health Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Employees who recently left a job and are between coverage periods
New employees waiting for their employer's health benefits to begin
Recent graduates who are no longer covered by a parent's plan
People who missed open enrollment and need a bridge until the next enrollment period
Individuals who want basic coverage quickly without going through full Marketplace enrollment
Frequently Asked Questions
Have more questions? A licensed agent is ready to help.
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Coverage options vary by carrier and state. A licensed agent can explain details and availability.
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Short-Term Health is one part of a complete life and health protection plan. Use our Life & Health Coverage Finder to get personalized recommendations based on your age, coverage situation, and priorities — in under a minute.
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