Short-Term Health Insurance coverage for the gaps.
Between jobs, waiting for benefits to start, or missed open enrollment? Short-term medical gives you temporary coverage for unexpected illness and injury until your next plan begins — with fast start dates and flexible terms.
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Short-term plans are not ACA major medical — we'll explain the tradeoffs.
Tell us your situation and start date for options.
- ✔ Doctor visits & hospital
- ✔ Emergency & urgent care
- ✔ Coverage that can start fast
- ✔ Terms to bridge your gap
What short-term medical can include
Doctor Visits
Coverage toward office visits for unexpected illness and injury.
Hospitalization
Helps with inpatient hospital costs from a covered event.
Emergency Care
Emergency room and urgent-care treatment when you need it fast.
Surgery
Coverage toward surgical procedures arising from a covered condition.
Labs & Diagnostics
X-rays, bloodwork, and tests to diagnose a covered illness or injury.
Prescription Access
Access to prescription savings and covered medications, by plan.
Who it's for
Built for
What our customers say
Real 5-star reviews from our customers on Google. Read more on Google
Laura was a pleasure to work with. She made the impossible happen when others turned me down! Definitely a 5-star performance!
10/10 — Laura was wonderful getting me the cheapest insurance possible. Patient, friendly, all of the above. Great customer service. Definitely recommending!
Laura has the best customer service ever. She really cares about who she is helping, very patient, and will get you the best deal!
Logan is so amazing — very knowledgeable and patient. It's always a pleasure to do business with him. Look forward to continuing business with you!
Chase Stewart was a great help getting me set up with a very affordable, full-coverage policy on my new truck.
Great customer service, great rate. They even helped me cancel my other insurance. Thank you!
Short-term health insurance FAQs
Is short-term medical the same as Obamacare/ACA coverage?
No. Short-term plans are not ACA-compliant major medical and don't have to cover pre-existing conditions or all essential health benefits. They're designed to bridge temporary gaps, not replace a full plan.
How fast can coverage start?
Often within a day or two of applying, which makes it useful when you have a sudden gap between plans.
How long can I keep it?
Term lengths vary by state and program. We'll show you the options available where you live.
Who should consider it?
People between jobs, waiting for employer or Medicare benefits, who missed open enrollment, or who need a short bridge to their next plan.