Short Term Health Insurance

Enjoy Constant Coverage with Short Term Health Insurance

Short term health insurance is available for people who only need health care coverage for a short amount of time. Designed for people who are changing jobs, waiting for their coverage to start at a new position, or waiting for open enrollment periods, these plans can help you take care of any gaps in coverage.

One to Twelve Months of Coverage

Most short term health insurance plans provide you with coverage for one to twelve months. If you will need insurance for a longer period, than a traditional plan may be the better choice. However, these are fantastic options if you are changing jobs or finishing your degree. When you know that you will only need coverage for a few months, short-term plans are the best choice.

Basic Coverage

Available from companies like Assurant Health, HCC Medical and United Health One, short-term health insurance plans typically offer very basic coverage.

Designed to protect you against emergencies while you are waiting to switch to a traditional plan, they offer coverage for accidents or unforeseen illnesses. They don’t typically provide coverage for physicals, preventive care or immunizations. They also may not cover pre-existing conditions. If you have a serious pre-existing condition, you may want to pay the extra money to continue coverage through the COBRA program.

End-of-Term Options

If things go according to plan, then you will have a comprehensive insurance plan in place before your short-term coverage ends. However, there are options if events do not follow your plan. You can re-apply for another short-term plan, or you can start looking for traditional plans that will suit your needs. However, most companies will only allow you to extend your term one time.

Thirty Days of Coverage

There may be times when you need coverage only for one month. You don’t have to pay for the full term if you don’t need it. You can make a single upfront payment to cover your month of service, or you can cancel the coverage when your new plan goes into effect. While you will not have to pay for remaining full months on the term, you also will not receive a refund for the partial month that you cancel in.

Short term health insurance is a valuable tool for people who are changing jobs, waiting for coverage from another policy or engaged in seasonal work. When you know that you will only need coverage for a short period of time until another plan will be in effect, short-term plans are the best choice.

Get free quotes for short term health insurance plans from multiple carriers.