Short-Term Health Coverage When You Need It Most
Life doesn’t always follow the calendar. Whether you missed Open Enrollment, are between jobs, or need temporary coverage while waiting for other benefits, our Short-Term Health Insurance provides fast, flexible protection to keep you covered.
Cigna Tampa Health
2 Months PED Waiting Period
Oscar PED Plus
1 Month PED Waiting Period
Why Short-Term Coverage Works for Many
Short-Term Health Insurance is designed to fill gaps in coverage and provide flexible, affordable protection when you need it most.
Many policies start as soon as tomorrow, keeping you protected without delay.
Lower upfront costs than major medical plans.
Coverage available in blocks of up to three months, extendable to four months under current federal rules.
Quick enrollment with minimal paperwork, so you can focus on what matters.
What Short-Term Health Plans Don’t Cover
While Short-Term plans provide fast, flexible coverage, they don’t include all benefits of major medical plans. Key limitations include
Preexisting Conditions
Coverage may be excluded for conditions you already have.
Limited Essential Benefits
Maternity care, mental health services, and preventive care may not be included.
No Subsidies
Short-Term plans are not eligible for ACA subsidies or tax credits.
Who Should Consider Short-Term Coverage
Short-Term Health Insurance is designed for temporary coverage gaps, providing flexible and affordable protection when you need it most.
01
Individuals
Waiting for employer-sponsored coverage to begin.
02
Recent Graduates
Affordable coverage as you start your career.
03
Between Jobs
Flexible plans for career transitions.
04
Missed Open Enrollment
Protect yourself until the next enrollment window.
ACA vs. Short-Term Health Plans: What You Need to Know
Both ACA and Short-Term plans provide coverage, but they serve different needs. Here’s a quick comparison to help you decide.
Guaranteed Coverage
Essential Health Benefits
Subsidies/ Savings
Duration
ACA Plans
Yes, no medical underwriting, everyone is accepted
Covers visits, prescriptions, checkups, maternity care, and more.
Eligible for ACA sibsidies and tax credits
Full year coverage
Short Term Plans
Yes, no medical underwriting, everyone is accepted
Limited, may exclude maternity, mental health, and preventive care
Not eligible for govrnment savings
Typically 1-4 months, flexible extensions in some cases
Maria lost her job in May and won’t start her new employer coverage until September. She purchased a short-term plan to protect herself during the summer months, knowing it wasn’t comprehensive but gave her financial protection against emergencies.
What You Should Know
Health insurance can feel complicated, so we've simplified the most common questions. Here's what people ask us most before enrolling.
