Shop Plans Today

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.

Have questions about Short Term Plans?

(877) 421-6713

Get a Short Term Quote

from Golden Rule Insurance Co.

Tobacco User

Add Family Coverage

All fields require a valid entry.
All fields require a valid entry.

*By submitting this form, you authorize an agent from Healthcare Solutions Team, LLC, a team of insurance brokers, to contact you at the e-mail address and phone number provided (even if the number you provided is on a state or national do not call registry). This contact may include providing you with insurance quotes, policy and benefit information, and/or marketing information to assist you in purchasing health insurance. The company may contact you using live operators, auto-dialers, pre-recorded messages, text messages, and/or emails. You acknowledge that you are not required to consent to contact as a condition of receiving services and that you may revoke consent at any time.

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.”

Short Term Plan Benefits:

  • Lower Premiums
  • ER & Hospital Coverage
  • Doctor & Urgent Care Visits
  • No Long-Term Commitment
  • Flexible, Anytime Enrollment
Shop Plans

Short Term Health Insurance

Major medical insurance isn’t always an option for some.

If you’ve missed the deadline for open enrollment, for example, 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 – abbreviated to STHPs for short-term health plans – 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.

Fast Quote and Application

Get quotes in seconds, apply in just minutes

Budget-Friendly Plans

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

Before 2016, STHPs could last from 30 days to a full year in some states, but that has since changed. Now, 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. Unlike major medical policies, STHPs include maximum lifetime payout limits, and you must meet a deductible before the insurer will pay its portion. Plus, STHPs require you to see in-network providers. If you go outside the network, the plan won’t cover your care unless it’s a true emergency.

Despite some obvious drawbacks, short term health insurance makes sense for certain people. Premiums are much lower for STHPs 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.

TemporaryHealthInsurance.com, a website owned by Health Network Group, LLC, markets products underwritten by National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation. Health Network Group National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation are all related companies under National General Holdings Corp.

TemporaryHealthInsurance.com is privately owned and all information and advertisements are independent and are not associated with any state exchange or the federal marketplace. Additionally, this website is not associated with, sanctioned by or managed by the federal government, the Centers for Medicare & Medicaid or the Department of Health and Human Services. HealthNetwork is not a licensed agent or broker and cannot write insurance policies, but will connect consumers to one of its trusted partners to complete the enrollment process.

*Average plan pricing displayed is for the state of Indiana. Rates and availability may vary with selected benefits, location, and household circumstances.