Health (Short Term)

Short Term health insurance offers you just the kind of flexible, fast coverage you need for those dynamic times of change in your life.

Short-term medical insurance is not guaranteed-issue and is a temporary health insurance plan designed for people who are without health insurance and are waiting for longer term, major medical insurance coverage.

Short Term health insurance plans do not meet the minimum essential coverage requirements under the Affordable Care Act (ACA), also known as Obamacare, and may result in a tax penalty. They are designed solely to provide temporary health care insurance during unexpected coverage gaps.

With Short Term health insurance, you are not buying an ACA health plan. That means you need to keep a few things in mind as you plan your purchase:

ACA health plans are guaranteed issue, meaning you cannot be denied coverage based on pre-existing conditions
Short Term insurance plans are not guaranteed issue, do not cover pre-existing conditions, and you must answer a series of medical questions to apply for coverage
ACA health plans are required to cover 10 essential health benefits, including maternity and new-born care, mental health and substance abuse disorder services
Short Term insurance plans do not have coverage requirements, so plans vary in what they cover. Check your plan details carefully.