Overview
Short term coverage is designed to bridge temporary gaps in insurance. It usually has lower premiums than major medical plans but does not have to meet ACA requirements — meaning pre-existing conditions and essential benefits may be limited or excluded. It is best considered a stopgap, not a long-term solution.
Who it fits
- Between jobs or waiting for employer coverage to begin
- Missed the marketplace open enrollment window
- Young adults aging off a parent's plan
What it typically covers
- Unexpected illness and injury (subject to plan terms)
- Hospitalization and emergency room visits
- Some outpatient care
Specifics vary by carrier and plan. Request a personalized quote to see exactly what applies to your situation.
Things to weigh
- Pre-existing conditions are typically excluded
- May not cover maternity, mental health, or prescriptions
- Not a substitute for ACA coverage long-term
Common questions
What's the difference between marketplace and individual health insurance?
Marketplace plans are ACA-compliant and may qualify for premium tax credits based on income. Individual plans purchased outside the marketplace can offer different structures but don't include marketplace subsidies. We'll walk through which fits your household.
Is short term health coverage a good idea?
Short term coverage is best used as a bridge — between jobs, waiting for open enrollment, or covering a gap. It typically excludes pre-existing conditions and may not cover essential benefits. It shouldn't replace ACA coverage long-term.
Why would I need supplemental coverage?
Major medical plans often leave high deductibles, copays, or non-covered expenses. Supplemental coverage — accident, hospital indemnity, critical illness — pays cash benefits to help absorb those costs so a health event doesn't become a financial event.
Ready for personalized options?
Request a free quote and a licensed agent will follow up with short term health coverage options that fit your situation.