What it is
Short-term health insurance, sometimes called short-term medical, is coverage designed to last for a limited period rather than a full year. It is often described as temporary accident and illness coverage or gap coverage between jobs.
These plans are generally structured differently from ACA Marketplace plans. Rules about how long they can last, whether they can be renewed, and whether they are available at all vary by state and by year.
Because the design differs, what a short-term plan covers may also differ. Some health needs, such as pre-existing conditions or certain benefits, may be treated differently than under other types of coverage. Reading the plan documents closely is an important step.
How it’s traditionally been approached
People have traditionally looked at short-term coverage when timing doesn't line up: a new job with a waiting period, a move, a lost plan, or a missed open enrollment window.
Others have compared it with alternatives such as COBRA continuation, a spouse's plan, or an ACA Marketplace plan through a special enrollment period. Which of these is available depends on your circumstances and the rules where you live.
Many shoppers start by comparing health insurance quotes from several sources, then review the network, the benefits and the exclusions before deciding. Some choose to work with a licensed agent, while others use healthcare.gov on their own.
How the right agent may help
The right agent may help you sort through which options you could qualify for, including whether a special enrollment period might apply to you. A conversation is typically a chance to describe your timeline, your household and the care you expect to need, so the agent can explain choices in general terms.
A visit or call is usually informational. The agent may walk through how different coverage types compare and what to read closely in the fine print. Agents referred through this site must be licensed to sell health insurance in your state.
Helpful questions to ask: Is this plan available in my state, and for how long? How does it treat pre-existing conditions? Which services are excluded? Is my doctor in the network? How does it compare with a Marketplace plan or COBRA? What happens when the term ends? Confirm specifics with a licensed agent or healthcare.gov.
The bigger picture
Not knowing how you'll be covered can weigh on you. A gap in coverage may affect how comfortable you feel scheduling care, managing medications or handling everyday worries. Taking time to understand your options may bring some peace of mind, whichever path you choose.
Coverage choices are also financial and personal decisions. Thinking about your whole life, including your health, budget and timeline, can help you choose with more confidence. If you're also looking for providers who take a whole-person approach to care, Providers.plus may be one place to explore.
Keep in mind
- Short-term plans are different from ACA Marketplace plans and may offer different benefits and protections, so compare them carefully.
- Availability, length and rules vary by state, household income and year. Confirm details with a licensed agent or healthcare.gov.
- This coverage is not a replacement for Medicare, Medicaid or emergency care.
- This page is education only, not insurance, legal, tax or financial advice, and it doesn't recommend any specific plan or carrier.
Agents
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Frequently asked questions
What is short-term health insurance?
Short-term health insurance is temporary coverage designed to bridge a limited period, such as between jobs or while waiting for another plan to start. It generally works differently from ACA Marketplace plans. Rules vary by state, so confirm with a licensed agent.
Can I get health insurance quotes for short-term coverage?
Yes, you can often request health insurance quotes for short-term plans where they are available in your state. A licensed agent may be able to explain what each quote includes and excludes. Availability depends on where you live.
Is short-term health insurance the same as ACA coverage?
No, short-term plans are generally structured differently from ACA Marketplace plans. They may treat things like pre-existing conditions and covered benefits differently. Compare the plan documents carefully before deciding.
What if I missed open enrollment?
You may still have options, such as a special enrollment period if you've had a qualifying life event, or other coverage types depending on your state. A licensed agent or healthcare.gov can help you see what might apply to you.
Can short-term insurance cover me while waiting for employer coverage?
Some people look at short-term plans to cover a waiting period before employer benefits begin. Others compare it with COBRA or Marketplace options. Which choice fits depends on your timing, your state and your needs.
How can a licensed agent help with short-term health insurance?
A licensed agent may explain your options, compare coverage types and answer questions about eligibility and timelines. Agents referred through this site must be licensed in your state. They can't promise any particular outcome.
Educational resource. EZ Health Quotes shares general information and connects people with independent agents. It is not professional advice. Talk with a qualified professional about your own situation.