Short-Term Health Insurance
Temporary coverage for gaps between plans.
Typical cost: $50 – $250 per month
Short-Term Health Insurance
Short-term health insurance provides temporary coverage for people between jobs, waiting for employer coverage to begin, or needing bridge coverage. Plans last from 30 days to 12 months and may be renewable.
Important Limitations
Short-term plans are NOT ACA-compliant. They can deny coverage for pre-existing conditions, don't have to cover essential health benefits, and typically have coverage caps. They're significantly cheaper but offer less protection.
What's covered
Medical Coverage
Doctor visits and hospital stays, subject to limitations.
Emergency Services
Emergency room and urgent care coverage.
Prescription Coverage
May be limited or excluded in many plans.
Fast Enrollment
Coverage can begin within days of application.
Flexible Terms
Choose coverage periods from 30 days to 12 months.
Tips
- • Only use as true bridge coverage, not long-term solution
- • Pre-existing conditions are typically excluded
- • Coverage caps mean catastrophic costs may not be fully covered
- • Check if your state allows short-term plans—some restrict them
- • COBRA may be better protection despite higher cost
Other health insurance types
Individual Health Insurance
Health plans for individuals not covered by employer plans.
Family Health Insurance
Comprehensive coverage for your entire family.
Catastrophic Health Insurance
Low-premium plans for worst-case medical scenarios.
HSA-Compatible Plans
High-deductible plans paired with Health Savings Accounts.
Medicare Supplement Insurance
Medigap plans that fill coverage gaps in Medicare.
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