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.
What Is Short-Term Health Insurance?
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.
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.
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.
- 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.
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