Quick Quote, Easy Enroll
Get quotes in seconds, apply in just minutes
Choose options to fit your needs and budget
Next Day Coverage
Apply today for coverage starting tomorrow
Available Year Round
No waiting for enrollment periods to apply
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
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.