[[carriername]]

Compare Short Term Health Insurance Plans from [[carriername|Major Carriers]]

If you’re between health insurance plans, whether you’re starting a new job, waiting for Medicare coverage to begin or you’ve missed the open enrollment period, short term health plans can help you bridge the gap between coverage. [[carriername|Short term health insurance]] offers plans with fast approval, no restrictions on what healthcare providers can be used, and affordable prices.

Have questions about Short Term Health Insurance?

1-855-821-0869

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*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

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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.

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.