Temporary Health Insurance

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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.

Lisa Keys
Our short term plan has allowed us to have affordable healthcare coverage while I am waiting for my new job benefits to kick in. As a single mom, there is no greater peace of mind than knowing that we are protected.
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