Health insurance can be unpredictable in the U.S. For many, it’s tied to employment, parental coverage, or specific life circumstances. If you lose your job or age out of a parent’s health plan, you might find yourself without coverage in an instant. This is where short-term health insurance can help. If you’re caught in between health plans, a short-term policy can provide temporary coverage until you’re able to secure more permanent insurance.
With millions of Americans currently without coverage, short-term health plans can be an affordable and flexible solution, especially if you’re facing a coverage gap. If you’re considering applying for a short-term health plan, here’s what you should know.
What Is Short-Term Health Insurance?
Short-term health insurance is designed to provide temporary coverage during transitional periods in life, such as changing jobs or waiting for other health coverage to begin. These plans are flexible and can be tailored to suit your needs when you can’t access regular health insurance.
Short-term health insurance may be right for you if you are:
- Between jobs
- Waiting for another health plan to kick in
- Preparing to transition to Medicare
- No longer covered under your parent’s health plan
- Looking for insurance outside of open enrollment
One of the biggest advantages of short-term plans is that they are available year-round. You can apply anytime, and your coverage could begin as soon as the next day. These plans are also available for spouses and dependents, provided they meet medical requirements. However, it’s important to note that most short-term plans don’t cover pre-existing conditions.
The coverage length for short-term plans can vary from as little as 30 days to up to three months, or even longer in some cases. Keep in mind, however, that these plans typically cannot be renewed. In certain states, consecutive plans are allowed, but any conditions covered by a previous plan may become pre-existing and will not be covered in future policies. Be sure to check the specific terms before renewing.
Another advantage of short-term health insurance is affordability. With different plan and deductible options, you can often find a policy that fits your budget. Additionally, you can cancel your plan at any time without incurring penalties.
How to Find the Best Short-Term Health Insurance
The price and length of your short-term health plan will depend on several factors, including where you live and the level of coverage you need. Some plans start as low as $51 per month, making them an affordable option for many people. Coverage options often include:
- Preventive care
- Prescription drugs
- Maintaining your current doctor
- Diagnostic exams
Here are three companies offering short-term health insurance plans:
National General
National General provides a wide range of affordable short-term health insurance options. Deductibles range from $1,000 to $25,000, with co-pays between $50 and $250 depending on the chosen plan. You also gain access to over 5,000 doctors and specialists without paying out-of-network fees.
IHC Group
Available in 23 states, IHC Group processes applications quickly, often within 24 hours. Some plans start as low as $51 per month, and coverage includes routine check-ups, diagnostic exams, and the ability to keep your current doctor.
HealthCare.com
HealthCare.com is one of the largest platforms to compare short-term health insurance plans. It connects you with various providers in your area and helps you navigate options by showing you clear details on deductibles, co-insurance rates, and premiums. Plans start around $77 per month, and you can refine your search by coverage length to match your specific needs.
Searching for Short-Term Health Plans Online
Finding short-term health coverage is easy and convenient with online tools. You can request free quotes from various insurers, compare options, and choose a plan that works best for you. Before committing to a plan, it’s important to compare two or three different providers to ensure you’re getting the best value—not just the lowest premium, but also the best coverage for your needs.
Conclusion
Short-term health insurance is a valuable option for anyone who needs temporary coverage. With affordable plans, flexible terms, and quick approval, it offers peace of mind while you’re between health insurance policies. Start your search today, compare different plans, and find the right coverage that fits your budget and needs.
