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Short-Term Health Insurance

Why risk paying for medical costs completely out of pocket? Short-term medical (STM) plans offer some financial protection in the event of a covered medical event—and they’re available right now.

What is Short-Term Health Insurance?

Temporary health plans for those in-between times

Short-term medical plans can help you pay for unexpected healthcare when you are temporarily without ACA-compliant major medical insurance. Benefits vary by plan, but covered expenses generally include hospital room and board, emergency room treatment, ambulance services, surgical services, doctor office visits and more.

Short-term medical

Quick Coverage

Skip the waiting. Apply and enroll in minutes, year-round. If you are approved, next-day coverage is available.


Plans for 1 Month+

Forget long-term commitment. STM plans last anywhere from 30 to 90 days, depending on your coverage needs.

Critical Illness

Cost-Effective Benefits

Don’t spend a fortune. Designed to help with the unexpected, STM plans often cost a fraction of ACA premiums.

How Short-Term Health Insurance Works

Who Benefits from Short-Term Health Insurance?

One solution for a range of life situations.

When you are experiencing a transition that leaves you without individual or job-based major medical insurance, STM is available for the interim. Know you have some financial protection for medical costs associated with unexpected illnesses and injuries—whether you are without ACA-compliant coverage for a single month or three.

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Employment Changes

A simple solution between jobs or in employer waiting periods.


Without Obamacare

Temporary healthcare benefits until you secure ACA-compliant coverage.

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Life Changes

Peace of mind while you move, go through a divorce, head to college and more.