What it is
Short term health insurance is coverage designed to last for a limited period rather than for a full plan year. It is often considered by people who are waiting for other coverage to begin or who have a temporary gap.
It is generally different from ACA Marketplace plans. Marketplace plans follow federal standards and are usually enrolled in during open enrollment or a special enrollment period. Short term plans may be structured differently, and what they include or leave out can vary.
Rules about short term plans differ by state, and they can change over time. Some states limit or restrict them. To learn what is available where you live, confirm details with a licensed agent or healthcare.gov.
How it’s traditionally been approached
People have often looked at short term coverage during life transitions, such as changing jobs, finishing school, or waiting for employer coverage to start. It has been viewed as a way to bridge a gap rather than a long-term solution.
Others compare it with options like Marketplace plans, which may be available during open enrollment or after a qualifying life event through a special enrollment period. Depending on household income and the year, some Marketplace shoppers may qualify for premium tax credits.
Traditionally, shoppers have read plan documents closely to see what is covered, what is excluded, how providers are accessed, and how the plan treats existing health conditions. Because plans vary so much, comparing them side by side has been a common approach.
How the right agent may help
A licensed agent may help you sort out the differences between short term health insurance and other types of coverage. They may explain terms in plain English and help you think through how long you might need coverage.
A conversation with an agent is generally a chance to share your situation, such as your state, timing, household, and health-care needs. The agent may then walk you through options that are available to you and how enrollment windows may apply.
Helpful questions to ask include: Am I eligible for a Marketplace special enrollment period? What does this plan not cover? How are pre-existing conditions treated? What happens when the plan ends? Are you licensed in my state? An agent can help you weigh the trade-offs, but the decision is yours.
The bigger picture
Health coverage decisions affect more than paperwork. Wondering what happens if you get sick during a gap can add stress, and understanding your options may bring some peace of mind and help you plan your finances more calmly.
Taking care of your whole self includes knowing how you will access care when you need it. If you are also looking for care providers, a directory like Providers.plus may help you explore options, while your agent can help you understand how coverage may fit in.
Keep in mind
- Short term plans are not the same as ACA Marketplace plans and may not cover the same things, so read what is included and excluded.
- Rules, availability, and eligibility vary by state, household income, and year. Confirm specifics with a licensed agent or healthcare.gov.
- This coverage does not replace Medicare, Medicaid, or emergency care, and it is not a substitute for other coverage you may qualify for.
- This page is educational only and is not insurance, legal, tax, or financial advice or a recommendation of any plan or carrier.
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Frequently asked questions
What is short term health insurance?
Short term health insurance is temporary coverage meant to last for a limited period instead of a full plan year. People often consider it as a bridge during a gap in coverage. What it includes varies by plan and state, so a licensed agent can help you review the details.
How is short term health insurance different from ACA Marketplace plans?
Marketplace plans follow federal standards and are generally enrolled in during open enrollment or a special enrollment period, while short term plans may be structured differently. Coverage, exclusions, and protections can differ between the two. Compare them carefully with a licensed agent or at healthcare.gov.
Who might consider short term health insurance?
People in a temporary gap, such as between jobs or waiting for other coverage to start, sometimes look at it. Whether it makes sense depends on your situation, state, and other options. An agent can help you think through the possibilities.
Is short term health insurance available in every state?
No, rules vary by state, and some states restrict or limit these plans. Availability may also change over time. A licensed agent in your state can tell you what applies to you.
Does short term health insurance cover pre-existing conditions?
It depends on the plan, and many plans treat pre-existing conditions differently than Marketplace plans do. Always read the plan's exclusions and ask the agent how existing conditions are handled before you decide.
How can I get short term health insurance quotes?
You can speak with a licensed independent agent who is licensed to sell health insurance in your state. They may explain available options and help you request quotes. EZ Health Quotes is a directory that may help you connect with an agent, but it does not recommend specific plans.
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.