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.
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.
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.
Individuals
Waiting for employer-sponsored coverage to begin.
Recent Graduates
Affordable coverage as you start your career.
Between Jobs
Flexible plans for career transitions.
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.
| Feature | ACA Plans | Short-Term Plans |
|---|---|---|
| Guaranteed Coverage | Yes, no medical underwriting, everyone is accepted | May vary — not guaranteed issue in all states |
| Essential Health Benefits | Covers visits, prescriptions, checkups, maternity care, and more. | Limited, may exclude maternity, mental health, and preventive care |
| Subsidies Available | Eligible for ACA subsidies and tax credits | Not eligible for government savings |
| Duration | Annual Full year coverage | Up to 4 Months Typically 1-4 months, flexible extensions in some cases |
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.
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