Affordable protection with short-term health insurance

A short-term health plan could start tomorrow and help bridge the gap in coverage in a time of transition

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Temporary Health Insurance

Find the right coverage in a time of transition.

What Is Short-Term Health Insurance?

Short-term health insurance is a form of coverage that provides medical services during transitions between (or gaps in) major medical insurance. Immediate short-term health insurance policies can cover you for up to one year (364 days to be exact), and you can renew them for almost 3 years. The number of services covered and the available duration vary by plan and state, so always review your coverage options carefully.

The best short-term insurance plans are the ones that fit your needs. If you’re experiencing a gap in coverage because of a recent event, such as an unexpected change in your employment, a short-term health insurance plan can keep you covered.

How long does short-term health insurance last? It can cover you for 30 days up to 12 months (or 364 days to be exact), depending on the state you live in. When a plan expires, you can reapply for coverage for up to 3 years, which can vary by location.

When it comes to getting the best short-term insurance, HealthMarkets is available 24/7. We can help you find the coverage based on your needs for you and your loved ones.

Short-term insurance may be a low monthly premium health coverage option that can help during a time of transition, such as the loss of a job, and approval can occur as quickly as the next day. You can apply for a short-term health insurance plan outside of the annual Open Enrollment Period.

What is short term insurance likely to cover? Many short-term health insurance plans can cover doctor’s office visits and emergency hospital services. However, it is important to note that services and benefits can differ depending on the insurance company and your state of residence.

Need a free consultation on what short-term health insurance plans cover in your area? A HealthMarkets licensed agent can help you explore your options and determine the best overall fit for you.

Temporary health insurance is also known as short-term health insurance, which is a form of affordable coverage that can help bridge the gap while you search for a long-term health insurance solution. The benefits may vary by state. HealthMarkets can help you efficiently find the best temporary health insurance plan in your area, and you may be able to apply for coverage for up to 36 months.

HealthMarkets works with more than 200 insurance companies across the United States, including nationally recognized ones that you’ve heard of. Speak with one of our licensed agents, at no cost to you, to find a temporary health insurance plan that’s the right fit for your needs at the best price available.

Affordable Coverage

Low premiums that average $263 per month.

Fast Approval

Coverage can start as early as tomorrow if you apply today.

Flexible Payments

Choose between a single payment or monthly payment schedule.

Flexible Terms

Purchase 30-day medical insurance or get coverage for almost 3 years, depending on your needs.

Short Term Insurance Can Help Protect You

During a moment of transition

Before special sporting events and international travel

By providing a safety net of coverage outside of enrollment periods

While waiting for Medicare coverage

Your Temporary Insurance Versus Your ACA Plan:

Short-Term Health Insurance Plan
Low monthly premiums
Next-day health insurance available year-round
Most plans cover doctor’s office visits
All plans cover emergency hospital services
Few plans will cover pre-existing conditions
Few plans will cover maternity, newborn, mental health, and substance abuse services
ACA Health Insurance Plan
Higher monthly premiums for those who do not qualify for premium subsidies
Coverage begins the following month (or later) after enrollment, which is available only during open enrollment or when eligible for a special enrollment period (SEP) due to a qualifying life event
All plans cover doctor’s office visits
All plans cover emergency hospital services
All plans cover pre-existing conditions
All plans cover maternity, newborn, mental health, and substance abuse services

Some plans available to you may offer additional (or fewer) benefits. It is important to review all your coverage options before selecting a plan, as this chart cannot illustrate all variations in short-term health insurance policies.

Short-term health insurance is ideal for people experiencing or expecting a gap in coverage. If you need to fill a gap in health insurance, but don’t want to spend too much money on an ACA plan, short-term medical insurance may be a great fit for you.
A licensed health insurance agent can help you apply for the best short-term health insurance available in your area and based on your needs. You will have to provide some basic information, including your name, age, and location. Additionally, your application will include a series of medical questions about your health history.

  • Like other health insurance plans, short-term health insurance policies describe their benefits (and how you can use them) in the summary of benefits and product brochure documents. These documents will describe how costs are shared (including deductibles, copays, and coinsurance) and which services are covered.
    For plans with a network, you’ll need to locate a participating doctor or facility before accessing covered care. The health insurance company you choose, as well as a licensed agent, can help you review your plan and locate providers.

Many short-term health insurance plans include networks. This allows plans to negotiate lower service rates with providers.
Yes. Insurance companies can allow you to extend your short-term health insurance or allow you to purchase the same plan after yours has ended. When you renew, you may have to go through the application process again. Any changes in your health status may impact your eligibility for coverage and your premium cost.
Yes. You can cancel a short-term health insurance plan at any time. Additionally, your plan will cancel automatically after the selected coverage period ends.
No. As of 2020, the ACA tax penalty no longer applies to people who lack minimum essential coverage. Additionally, individuals who already met coverage exemptions would not be penalized. However, some states have implemented their own state tax penalties for not having qualifying health coverage.
If you are denied for short-term health insurance coverage, it may be due to your medical history. You may need to apply for a plan that covers pre-existing conditions. An agent can help you determine your health insurance options, including if you are eligible for a special enrollment period and/or subsidies that can lower ACA health insurance premiums.
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