Short-Term Plans

Short-term health plans offer temporary coverage for essential medical services and emergencies, making them a practical option when you only need insurance for a few months. While these plans are not intended for long-term use and generally don’t meet Affordable Care Act (ACA) requirements, they can offer valuable protection and peace of mind if you’re between health plans.

If you know you'll have other coverage soon but want to avoid a gap in protection, a short-term health plan can be an excellent solution. These plans are also ideal when you need coverage quickly or outside the ACA's annual enrollment period. For some, short-term plans offer a more budget-friendly alternative to the higher premiums of ACA-compliant coverage.

A short-term health plan may be a good fit if you:

• Are between jobs and need temporary coverage until benefits begin with a new employer

• Work part-time or seasonally and aren’t eligible for employer-sponsored coverage

• Recently graduated and are no longer on your parents’ health insurance

• Retired early and need coverage until you qualify for Medicare

• Are waiting for ACA Open Enrollment and need interim coverage

• Are young and healthy but want protection in case of unexpected emergencies

Keep in mind that short-term plans typically do not cover pre-existing conditions, so it's important to consider your health needs before choosing this type of coverage.