Short term health insurance, also called temporary health insurance, is a solution for when you need coverage for a period of transition in your life. Short term insurance may be for you if you’re:
- Unable to apply for Affordable Care Act (ACA) coverage because you missed Open Enrollment and you don’t qualify for Special Enrollment
- Waiting for your ACA coverage to start
- Turning 26 and coming off your parent’s insurance
- Between jobs or waiting for benefits to begin at your new job
- A student waiting for your institution to begin your coverage
Short term health insurance can be applied for at any time, and does not require proof of immigration status.
Frequently Asked Questions
Short term insurance covers you fast, as soon as the day after applying. Most short terms typically provide some level of coverage for: doctor visits, urgent care, and emergency care. There may also be coverage for prescriptions. Plans also offer cost savings for seeing in-network providers. All contracted insurers have an accredited network of physicians, diagnostic clinics, emergency rooms and hospitals nationwide.
- Short term coverage does not offer any benefits for maternity, mental health, or any sort of pre-existing condition. If you suffer from some pre-existing conditions, you could be denied short term coverage
- Adult welfare examinations and preventive care (eligible only for children up to 17 years old). The only preventative adult care is an annual mammogram
- Welfare services such as physical, occupational, or speech therapy
Yes, short term insurance does not require annual service contracts.