Short-Term Health Insurance Plans

Short-term health insurance plans offer fast and flexible coverage for when you’re in a period of transition in your life and need temporary coverage. Short-term plans can be purchased at any time during the year with coverage starting as soon as the next day.

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Short-Term Plan Design and Features

Our short-term plans let you pick the length of your coverage, have different deductible amounts and include plan options with or without copays. In addition, our plans feature:

  • Low, affordable monthly premiums
  • Access to our large network of providers and hospitals
  • Coverage starting the day after you enroll
  • The option to cancel your plan anytime without penalty
  • Extended coverage to your family members and dependents under the age of 26

Is Short-Term Insurance for Me?

Short-term plans may be right for you if you’re:

  • Between jobs and waiting for your new coverage to begin
  • Turning 26 and no longer eligible to be on your parent’s insurance
  • Graduating college
  • Looking for coverage outside of the Open Enrollment Period and don’t have a qualifying life event1
  • Under 65 and do not need coverage for pre-existing conditions

Important Things to Keep in Mind

Short-term plans do not cover pre-existing conditions and are medical underwritten. If you are looking for more comprehensive coverage, an Individual and Family plan may be right for you.

We also offer dental and vision plans that cover many preventive and major services that can strengthen your health coverage from your short-term plan. You will have the option to add this coverage when enrolling.

Ready to Shop?

Use our online enrollment tool to get an instant quote. You can also call us at 1-844-583-3072 or call your licensed insurance agent.

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 and substance abuse 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 and 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 and out-of-pocket costs              Many people qualify for Federal financial help

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.”