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Short Term Health Insurance

Short term limited duration health insurance from Golden Rule Insurance Company is a great way to fill gaps in insurance coverage without sacrificing healthcare services. In some cases, you can get coverage as soon as tomorrow and can cancel any time. Plus, short term plans offer a range of deductibles making it easy to find the right benefits at the right price.

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*Disclaimer: This is a solicitation for insurance. By submitting information on this site, I am providing my written consent for Health Network Group, its affiliates, or one of its trusted partners to contact me (even if I am on a state or national do not call registry) at the phone number or email address listed to provide me with quotes or information about health insurance plans. I further consent to such calls or texts sent via autodialer, automated technology, prerecorded message and/or artificial voice. I understand my consent is not a condition of purchase and that I can revoke my consent at any time by emailing privacy@healthnetwork.com Additional charges may apply to SMS, call or Internet usage depending on your data providers.

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 Health Insurance

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

If you missed Open Enrollment, are turning your side hustle into a full-time job or just waiting for other medical coverage to start, 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 designed for transitions, 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 in some cases

Available Year Round

No waiting for enrollment periods to apply

Terms vary by state, but typically short term plans can last from one month to nearly one year. They cover limited benefits, don't cover pre-existing conditions and aren't guaranteed issue or renewable. Unlike many major medical policies, STHPs include maximum lifetime payout limits, and you usually must meet a deductible before the insurer will pay its portion.

Despite some obvious drawbacks, short term health insurance makes sense for certain people. Premiums are often much lower for STHPs than for major medical policies, they cover a variety of benefits depending on the plan you choose, and they provide an option if you don't have major medical insurance. Combined with other policies, like standalone critical illness, short term medical plans can be an important part of your insurance package.

¹UnitedHealthcare networks provide access to 1.8 million providers as cited in UnitedHealth Group Annual Form 10-K for year ended 12/31/23.

The TriTerm coverage term is one day less than 3 years. In SC, plans are three 11-month terms. In IN and OK, plans are three 364-day terms.

ShortTermHealthInsurance.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.

Health Network Group, LLC and Golden Rule Insurance Company are not affiliated and each entity is responsible for its own contractual and financial obligations.

This coverage is not required to comply with federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.

Also, this coverage is not "minimum essential coverage". If you don't have minimum essential coverage for any month this year and you live in an state that has an individual mandate that you have health coverage that meets the minimum essential coverage, you may have to make a payment when you file your tax return unless you qualify for an exemption from the state's requirement that you have health coverage for that month.

This Website is not associated with Healthcare.gov. ShortTermHealthInsurance.com is not a licensed agent or broker and cannot write insurance policies. ShortTermHealthInsurance.com connects consumers to industry trusted carriers to complete the application process.

Supplemental insurance product not available in the State of Washington.

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