Flexible health insurance from 30 days to 12 months — designed for gaps between jobs, post-graduation, early retirement, or waiting on Marketplace coverage to begin.
Short term plans typically cost a fraction of major medical and can start as soon as tomorrow. They cover unexpected illness and injury — they don't cover pre-existing conditions, so they're best as a bridge.
Health questions and basic info. Usually 10 minutes by phone or online.
Most approvals happen same-day. Coverage can start as early as the next morning.
We'll help you transition to ACA Marketplace or employer coverage when it's available.
Pre-existing conditions, maternity, mental health, and most preventive care are typically excluded. These plans cover the unexpected, not the planned. If you have ongoing health needs, major medical (ACA) is the better fit — we'll tell you honestly.
It depends on the state. Most plans run 30 days to 12 months with renewal options. We'll check the maximum in your state and what your transition options look like at the end.
Often yes — sometimes significantly. But cheaper monthly premium doesn't always mean cheaper coverage. If you qualify for ACA premium subsidies, those can make major medical the better value. We always compare both.
You're covered for new conditions that arise during the plan term. The catch: anything you developed before the policy started won't be covered. That's why short term is best as a bridge, not a long-term solution.
Free quote, instant comparison. Most plans can start within 24 hours.
