If you’re looking for temporary medical coverage, short-term health insurance might be what you’re looking for. A short-term health insurance plan in Florida can be a good choice if you’re between jobs. It may also be an option if you missed the enrollment period for an Affordable Care Act (ACA) plan. 

Can I Buy Short-Term Health Insurance in Florida?

Yes, short-term health insurance plans are available in Florida. The state allows short-term plans with durations of more than 11 months.1 If you’re among the approximately 3 million Floridians who do not have health insurance,2 a short-term plan can be a good start to getting coverage.

In 2018, the government extended the time limits of short-term plans, so purchasing a policy is more practical than ever.3 But before you sign up for coverage, it’s best to understand how this temporary health insurance is different from other available plans. 

Most important, short-term health insurance does not provide fully comprehensive coverage. There are limited benefits, and you could be denied coverage if you have pre-existing conditions. Since states are able to set their own regulations for short-term health plans, limitations are subject to change .3

HealthMarkets can help you decide which Florida short-term plan matches your situation.

Is Florida Short Term Health Insurance Affordable?

With an average premium of $193 per month,* Florida short-term health insurance can be a good option to help in the event of an accident or health crisis. Selecting a higher coinsurance and a higher deductible may help you save on your premium. However, it may cost you more out of pocket if you need frequent, routine care. It is also worth noting that your medical history ,4 age, and gender may also impact your premium.5

In comparison, individual plans sold on the health insurance exchange provide comprehensive coverage to everyone. These plans cannot change costs or coverage based on race, color, national origin, sex, age, or disability.6

Ready to Apply for a Florida Short-Term Health Insurance Plan?

Compare available short-term health insurance plans in Florida with HealthMarkets, at no cost to you. You may be able to get coverage as soon as the next day after applying in some cases. Get started reviewing your options from nationally recognized insurance companies today.


1.CBPP. October 2020. Retrieved from https://www.cbpp.org/state-limitations-on-short-term-health-insurance-plans-october-2020 | 2.Palm Beach Post. February 2021. Retrieved from https://www.palmbeachpost.com/story/news/2021/02/18/new-obamacare-enrollment-period-could-help-600-000-floridians/6781763002/ | 3.CBO. September 2020. Retrieved from https://www.cbo.gov/publication/56622 | 4.VeryWell Health. October 2020. Retrieved from https://www.verywellhealth.com/what-to-know-before-buying-short-term-health-insurance-3575706 | 5.VeryWell Health. October 2020. Retrieved from https://www.verywellhealth.com/will-my-health-insurance-premiums-go-up-if-i-have-a-claim-4018322 | 6.HHS. November 2020. Retrieved from https://www.hhs.gov/civil-rights/for-individuals/section-1557/index.html 

*Average based on premiums for all 2021 short-term health plan premiums available from HealthMarkets for a 40-year-old non-smoking male living in Miami, FL.

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