Find the right short term medical insurance plan for you

Apply for short term medical insurance with coverage as soon as the next day

Find the right short term medical insurance plan

HOW IT WORKS

How short term medical insurance works

Short term medical insurance -- also known as a temporary insurance -- is an insurance plan that you can apply for as little as 30 days or up to 364 days (depending on your state) to fill gaps in insurance coverage.

These plans use the same insurance terms you may already be familiar with: deductible, coinsurance, and copay. But short term medical insurance plans do not cover all of the same benefits that an Affordable Care Act (ACA or Obamacare) plan would, like pre-existing conditions or maternity care. That’s why short term medical insurance premiums tend to be lower in cost.

There's no enrollment period
There's no enrollment period

You can enroll at any time, and coverage can begin as soon as the next day.

It is affordable
It is affordable

Insurance plans start at less than $99 a month. Plan costs vary by age and coverage type.

Flexible length of coverage
Flexible length of coverage

Coverage period can range from 30 to 364 days with enrollments up to 3 years, depending on your state of residence.

WHAT’S COVERED*

Short term medical insurance coverage

COVERED
  • Doctors appointments
  • Certain prescription medications
  • Unexpected illness and injury
  • Inpatient and outpatient hospital services
  • Emergency room visits
NOT COVERED
  • Pre-existing conditions
  • Cosmetic treatment
  • Pregnancy and maternity
  • Dental & vision care
  • Spinal manipulation
* Coverage may vary by state

Explore your options today!

View and compare plans and prices in your area

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ACA DISCLAIMER

SHORT TERM HEALTH INSURANCE AND LIMITED BENEFIT MEDICAL INDEMNITY INSURANCE ARE INSURANCE OUTSIDE OF THE AFFORDABLE CARE ACT (OBAMACARE). THEY DO NOT COVER PRE-EXISTING CONDITIONS AND DO NOT INCLUDE ALL TEN OF THE MINIMUM ESSENTIAL BENEFITS OF OBAMACARE. LIMITED BENEFIT MEDICAL INDEMNITY INSURANCE IS DESIGNED TO PROVIDE ADDITIONAL BENEFITS TO SUPPLEMENT MAJOR MEDICAL INSURANCE. IT IS NOT AVAILABLE IN SOME STATES LIKE NEW JERSEY AND YOU MAY NOT BE PERMITTED TO PURCHASE IT IN OTHER STATES WITHOUT PROOF OF MAJOR MEDICAL INSURANCE.

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The health insurance market has changed significantly over the years. Learning Center Articles reflect the market at the time they were published and may no longer be applicable.”