⚡ Short-Term Health Insurance

Health Coverage That Starts Tomorrow

Short-term plans can begin as soon as the day after you apply. Flexible terms, lower premiums, no network restrictions.

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Fast · Flexible · Affordable · Free · No obligation

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A licensed advisor will reach out within 1 business day with your short-term plan options.

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⚡ Coverage in 24 Hours
🏥 No Network Restrictions (PPO)
🔓 Cancel Anytime
💰 Plans from $95/Month
Our Products

Short-Term Plan Options

We offer coverage through UnitedHealthcare Short Term Medical and TriTerm Medical. Both use PPO networks with no referrals needed.

1-12 Months

UnitedHealthcare Short Term Medical

Fast-start coverage for people in transition. Flexible 1 to 12 month terms.

Coverage starts effective next day
Deductibles: $2,500–$12,500
Coinsurance: 0%–40% options
$2M lifetime maximum
PPO network with negotiated rates
No referrals for specialists
Telehealth available
Rx coverage on some plans
Up to 36 Months

TriTerm Medical (Golden Rule)

Extended coverage in three 12-month terms for longer transitions.

Up to 36 months (three terms)
Same deductible options
Out-of-pocket max: $2,000
$2M lifetime maximum
PPO network access
No referrals needed
Longer coverage for stability
Prescription drug coverage
Coverage

Key Features of Short-Term Plans

What you get with short-term health insurance.

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Effective Next Day

Apply today, coverage can start tomorrow. Perfect for gaps between jobs or waiting for employer benefits.

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Cancel Without Penalty

No lock-in, no early termination fees. Stop whenever you want — you only pay for the coverage you use.

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PPO Network Rates

Access negotiated rates at any in-network provider nationwide. No network restrictions — see any doctor.

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No Referrals Required

See specialists without asking permission. Direct access to the care you need.

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Telehealth Available

Virtual doctor visits at lower copays. Convenient care when you need it without leaving home.

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Prescription Drug Coverage

Pharmacy benefits available on most plans with tiered copays for generic, brand, and specialty drugs.

Important: What's NOT Covered

Pre-existing conditions are excluded for the first 12 months of coverage
Pregnancy is not covered unless coverage was in place before pregnancy
Preventive care has a 6-month waiting period in year 1
Not available in all states (not available in MA, OR, and some others)

Your advisor will review coverage details and state availability before you enroll. If you have pre-existing conditions, we may recommend an ACA plan instead.

Who It's For

Is Short-Term Coverage Right For You?

Short-term plans work best for temporary situations and bridge coverage.

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Between Jobs

Lost coverage after leaving a job? Short-term bridges the gap until your new employer coverage starts.

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Waiting for Coverage

Waiting for ACA Open Enrollment or employer benefits? Get immediate protection with short-term coverage.

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Aging Off Parent's Plan

Just turned 26 and lost parent's coverage? Short-term plans are affordable while you explore other options.

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Missed Open Enrollment

Didn't qualify for SEP? Short-term coverage bridges until next enrollment period while you get set up for long-term coverage.

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Early Retirees (Under 65)

Retiring before Medicare? Short-term plans provide coverage at lower costs than ACA until you reach 65.

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Gig & Self-Employed

Running your own business? Short-term plans offer flexibility while you manage variable income and schedules.

FAQ

Short-Term Plan Questions

Short-term plans exclude coverage for pre-existing conditions during the first 12 months. After 12 months of coverage, many conditions become eligible for benefits. ACA plans do not have pre-existing condition exclusions, so if pre-existing conditions are a concern, compare both options with your advisor.
Most short-term plans offer terms of 1–12 months, with some plans like TriTerm extending up to 36 months (three 12-month terms). The maximum length depends on your state and carrier. Your advisor will explain the options available in your area.
No. Short-term plans are not ACA-compliant and are not required to cover the 10 essential health benefits. They do not qualify for ACA subsidies and are designed as temporary bridge coverage, not permanent solutions. They are not available in all states.
Most short-term plans use PPO networks, which means you can see any doctor, but you'll save more by staying in-network. Call your doctor's office to confirm they're in the network of the plan you're considering. Your advisor can help with this verification.
Yes. Short-term plans have no cancellation penalties. You can cancel without cause and the plan ends on your requested date. This flexibility is one of the main advantages of short-term coverage for people in transition.

Need Coverage Fast?

Get a quote for short-term plans available in your area. Coverage can start as soon as tomorrow.

Get My Short-Term Quote → 📞 (844) 585-3339
Ready to enroll on your own?
Scan & goEnroll directly via HealthSherpa