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Understanding The Benefits of Short Term Health Insurance

Understanding The Benefits of Short Term Health Insurance


Plans are affordable, at a fraction of the cost of traditional insurance

large doctor networks

You can access large doctor networks; most medical professionals accept short term plans

customize your coverage

You can customize your coverage to meet your needs; plan length, deductibles and copayments are flexible, with no commitment

can start tomorrow

Signing up is easy, and your short term plan can start tomorrow


You're protected from financial woes if you have a health emergency

enroll at any time

You can easily enroll at any time even after open enrollment

Short-term health insurance is not considered minimum essential coverage under the Affordable Care Act. Pre-existing medical conditions are usually not covered by short-term plans. Current federal regulations limit short-term plans to a 364-day period under one certificate of insurance. Some insurers will allow you to apply for up to two additional new certificates of insurance, with each certificate granting another 364 days of coverage at a time. State rules may vary. In DC, NJ, MA, and VT, you may be subject to a tax penalty if you don't have minimum essential coverage.

How Does a Short Term Plan Work?

How Does a Short Term Plan Work?

Short term health insurance premiums are often a fraction of major medical insurance premiums. Plans usually include benefits related to inpatient and outpatient hospital care, emergency room visits, surgical services, ambulatory services, and intensive care among other things. If you reach the end of your policy and still need coverage, depending on your state’s laws, you can typically apply for and enroll in a new policy.

Learn More About How Short Term Plans Work

Short Term Health Insurance Is a Popular Alternative

Short Term Health Insurance Is a Popular Alternative

The number of Americans who choose short term health insurance has doubled over the past 5 years. High Obamacare premiums are driving more people than ever to short term plans.

Find Out If Short Term Makes Sense for You

Is a Short Term Plan Right for Me?

Is a Short Term Plan Right for Me?

A short term plan is right for you if:

You need to fill a gap between employer coverage and your next job.

It’s cheaper for your to pay the penalty and have short term medical instead of an Obamacare plan.

You missed Open Enrollment.

7 Situations When it Makes Sense to Buy Short Term Plans

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Tips for Finding Short-Term Health Insurance

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