Life Happens.
Be Covered When It Does.

There may be a 1,000 reasons why you're currently uninsured. Costs too high, you missed Open Enrollment, or maybe you think that you're healthy so you don't need it. Whatever the reason, a short term health insurance plan may resolve most of those issues. It isn't the right choice for everyone, but it could be the best solution for you.

Short Term Plans From

$ 49^mo.* Get Quote

*National average for a 40 year old, male non-smoker. Prices vary depending on age, carrier & location.

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.”

A Closer Look At Coverage

What is Short Term Health Insurance?

Historically, Short Term Health Insurance has been, as its name implies, a short term solution for health insurance coverage. In recent years, however, and mostly due to ACA plan premium increases, millions of Americans have found Short Term Health Plans to be a way to obtain lower cost health insurance. Short Term Health Plans can cost 50% less than ACA (Obamacare) plans, but with a lower cost comes limited benefits, particularly for people with pre-existing conditions. At ShortTermHealthInsurance.com we're focused on providing you with the facts about these plans and a way to safely connect with major short term health insurance carriers, who are established and vetted.

Here are the key differences between a Short Term Health Plan and an ACA plan:

What You Forfeit

Short term health plans can be up to 50% less expensive than traditional medical plans. However, these reduced premium costs usually result in reduced or limited coverage.

Things that aren't usually covered with a short term health plan:

Pre-Existing Conditions If you have sought medical treatment for a health condition in the recent past, a short term plan probably won't cover anything related to it.
Maternity or Prenatal Care Pregnancies are seen as a high risk or are considered a pre-existing condition and aren't typically covered under any type of short term policy.
Prescription Drugs Most short term plans won't cover the cost of prescribed medication. Some plans allow you to add on or will give you a prescription discount card, but this won't always add up to big savings especially for specialty drugs.

What You Gain

Short term health plans are affordable & provide a financial safety net against accidents, unexpected illnesses & emergencies for those who don't have other coverage options.

Things that are usually covered with a short term health plan:

Lower Premiums & Deductibles Short term plans are much cheaper than traditional medical plans and can be a great alternative for those who don't frequently seek medical care.
Doctor & Urgent Care Visits Have a sore throat? Twisted your ankle? Short term plans can help cover the costs for sick visits to your doctor and urgent care services for accidents and injuries.
Emergency & Hospitalization Short term plans grant peace of mind and financial protection. If you become seriously ill or injured, they help cover the costs of hospitalization and treatment.

What You Gamble

Short term health plans are limited and more specific than ACA-approved medical policies. Many essential health benefits aren't covered and there are caps on benefit payouts.

Things that have limited coverage with a short term health plan:

Preventative Care Because short term plans don't fall under the scope of the ACA, they can choose to exclude benefits such as preventive care and mental health.
Long-Term Care Short term plans are not renewable and only last up to a year, max. If your are injured or become ill, your coverage may expire before you've finished treatment.
Max Benefits & Incident Caps Short term plans usually include term, lifetime and incident caps on benefits. If you have multiple incidents during your term, they may not all be covered.

Rethinking Health Insurance

Who Should Consider Short Term Insurance?

Short term insurance can be a good option for certain people, and it's definitely better than not having any insurance at all. Short term plans are ideal for those who are in transition, whether you need something to fill the gaps between employer-sponsored coverage, you've been dropped from your parents' plan, or you've retired early but don't qualify for Medicare yet.

Who Should Consider Short Term Health Insurance?

Say Hello

Gemma

Gemma just graduated from college and is unable to continue on her schools' insurance plan. While she is hitting the job market in search of her dream career she needs some coverage just in case of emergencies.

Here's why a short term plan makes sense for Gemma:

She Can't Get Coverage From Her School
She Only Needs Coverage Temporarily
She's Healthy with No Medical Conditions
She Needs Something NOW That's Affordable

Who Should Consider Short Term Insurance?

Say Hello

Chris

Chris is still living at home with his parents, but because he just turned 26, he has officially aged out of his parents' health plan. Although Chris is employed, he is only working part-time as a server at a local restaurant and has very limited income to devote to health insurance.

Here's why a short term plan makes sense for Chris:

He Can No Longer Get Coverage From His Parents
He Doesn't Qualify For Full-Time Benefits From His Job
He Has Limited Income Available For Health Insurance
He Wants Some Protection In Case of Emergencies

Who Should Consider a Short Term Health Plan?

Say Hello

Eileen

Eileen recently quit her job and decided to follow her passion and open up her own small business selling decorative artwork on Etsy. Unfortunately for Eileen, her health benefits ended with her last job, and she is finding COBRA coverage too expensive for her now-limited income.

Here's why a short term plan make sense for Eileen:

She Can't Afford COBRA Coverage
She's Self-Employed and Needs Her Own Insurance
She Can't Wait Until November For Major Medical Policy
She Wants Protection In Case of a Medical Emergency

Say Hello

Larry

Larry retired early at age 60, but he's been waiting to draw Social Security benefits until he can also sign up for Medicare at age 65. Because he's on a fixed income and has no additional government benefits, he finds the premiums for his current retiree health insurance plan to be too expensive.

Here's why a short term plan make sense for Larry:

He Hasn't Aged Into Medicare Yet
His Current Retiree Health Plan Is Too Expensive
He Is On A Fixed Income With No Government Benefits
He Needs Affordable Coverage Until He Can Get Medicare

Sound Like You?

Check Your Options

Apples to Oranges

How Do Short Term Plans Compare?

Short term health insurance plans are a great alternative to ACA plans that will offer financial protection from life's unforeseen medical emergencies. Short term plans are not ideal for everyone, but having a short term plan in place is better than being uninsured.
ACA Health Plans $ 378 National average cost/month for a 40 year old, male non-smoker.	vs	Short Term Plans $ 49 National average cost/month for a 40 year old, male non-smoker.
	Enroll Anytime, Cancel Anytime
	Low Premium & Deductible Options
	10 Essential Health Benefits
	Covers Pre-Existing Conditions
	Doctor & Specialist Visits
	Labs, Xrays & Diagnostic Services
	ER & Hospital Coverage
	Prescription Drug Coverage
	Maternity & Prenatal Care
	Mental Health & Addiction Services

Covered
Not Covered
Not Usually Covered

Frequently Asked Questions

FAQ

What do short term health insurance plans typically cover?
These plans vary greatly depending on where you buy the plan and the company you choose. But temporary health plans do tend to feature some of the same benefits. Most plans, for instance, will offer catastrophic coverage for emergencies or unexpected medical events. Here’s what you can expect from many short term policies. Learn More
What are the Limitations of Short Term Plans?
Because short term health plans don't fall under the scope of the ACA, they don't have to meet its minimum standards and insurance carriers can exclude benefits as they see fit. Exclusions help keep premiums low, so many plans leave out a number of services. Some of the most common exclusions are preventive care, maternity services and coverage for mental health needs, including counseling sessions and substance abuse treatment. Many short term plans also restrict coverage for prescription drugs. Even if a plan does include some pharmacy services, these may be subject to a separate deductible or maximum payout than the other benefits covered by the plan. Learn More
Who Should Avoid Short Term Health Insurance?
While a temporary health plan can be a good idea in some circumstances, it might not be the best option for certain groups or individuals. Those who should avoid short-term health insurance include: anyone with a pre-existing condition, pregnant women, young families, people with mental health or substance abuse problems, senior citizens, people who need regular prescriptions, those without any savings, and those who want comprehensive, long-term coverage. Learn More
How Long Does Short Term Health Insurance Last?
Typically, the shortest duration period for a temporary plan is one month. Some plans allow you to select a specific number of days for the policy to last. Other plans last up to three months, but some policies allow you to cancel before your contract ends, especially if you pay month to month instead of all at once. Learn More
Who Should Buy Short Term Health Insurance?
Everyone benefits from some form of health insurance. Even if you're young and healthy, an accident or unexpected medical crisis can be financially devastating. A temporary health plan might be a good choice for you if: you're young and in good health; you are not eligible for ACA special enrollment; you don't have chronic or pre-existing conditions; you expect to face a short gap in coverage; you're struggling financially but ineligible for subsidies; and/or you're facing an unanticipated loss in coverage and don't want to risk being uninsured. Learn More