How much does short term health insurance cost?

Although short term health plans do not offer the same coverage as an Obamacare plan, they typically cost less than an unsubsidized Obamacare plan. For a comparison, see this example using rates for a 35-year-old woman living in Arizona[1]:

Plan Type Unsubsidized Premium Deductible
Connect STM Short Term Plan* ( $96.00 $5,000
Lowest Cost Bronze ACA Plan** $317.93 $7,900
Short Term Plan Savings: $221.93 $2,900

* Short Term Health Insurance does not qualify as minimal essential coverage.

** Bright Health Bronze (Plan ID: 87247AZ0010006)

The best way to find out what a short term health plan will cost you is to request a quote. It takes about 1 minute to obtain multiple plan options, then compare premium costs and coverages to find the best fit for your needs.


  • [1] Rate is for a 35-year old female non-tobacco user located in the 85001 ZIP code quoted Dec. 17, 2018. Rates vary by location, age, and sex.