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Short-Term Medical Insurance Plan

Covered expenses for temporary plans generally include the high-dollar, unexpected care and treatment you may require as a result of an illness or injury from a serious medical event like a heart attack or stroke to a broken leg or doctor's office visit due to illness.

Remember, these plans are highly customizable:

  • Hospital room and board
  • Emergency room - anesthesiology and surgical care
  • Diagnostic services - X-rays, laboratory and analysis
  • Ambulance and surgical services
  • Doctor visits
  • Up to $2 million policy maximum.
  • Coverage for up to 12 months.

Who should get a short-term health plan?

Temporary health plans are best for people who:

  • Missed open enrollment for a major medical plan and do not qualify for a special enrollment period
  • Are in a new-employee waiting period to enroll in an employer's health plan
  • Require medical coverage for 3 consecutive months or less, such as an alternative to COBRA when in between jobs
  • Are college students, graduates, or graduate students that have recently lost medical coverage due to turning 26
  • Are a part-time seasonal worker who is unable to obtain coverage through an employer
  • Are a few months away from Medicare eligibility.

Short-Term Health Insurance FAQ

Is short-term health Insurance the same as Obamacare?

No, short-term health insurance is not the same thing as Obamacare. Temporary plans are not ACA-qualified major medical plans because they are not required to provide the essential health benefits, are not guaranteed issue and are not subject to other provisions mandated under Obamacare.

Insurance Carriers


This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.