Short-term medical coverage will protect you against a major financial burden in the case of a medical emergency. These plans are meant to temporarily bridge the gap between long-term, comprehensive coverage.

They are different from comprehensive coverage offered through ACA-compliant plans, as they have a lower level of coverage and typically higher out-of-pocket costs.

Short-term plans vary by your needs but typically last between 6 to 12 months in length, although in some cases the coverage can be extended up to 3 years.

IMPORTANT: This is a short-term, limited-duration policy, NOT comprehensive health coverage

This is a temporary limited policy that has fewer benefits and Federal protections than other types of health insurance options, like those on HealthCare.gov. 

Looking for comprehensive health insurance?

• Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
• To find out if you can get health insurance through your job, or a family member's job, contact the employer.
   

Questions about this policy?

For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under "Insurance Departments." 

What are the different types of short-term medical coverage?

Depending on your state, you may have different options for short-term medical coverage, including short-term or tri-term coverage.

Short-term medical plans are typically restricted to a shorter term (3 months plus a 1-month extension). Short-term medical plans only cover a few key expenses, such as: ER & hospital coverage, doctors, labs, and urgent care. They will not cover pre-existing conditions.

In order to determine your eligibility, please visit our benefit partner site by clicking on the 'Get this product' button at the top of the page.

If you experience a medical emergency, with short-term medical insurance you won't have to worry about large financial obligations.

Between jobs

If you are starting a new job, you may only need coverage until your employer-sponsored health coverage kicks in.

Missed deadline for ACA plans

You missed the deadline for enrollment for an ACA plan and don't have a qualifying life event for a mid-year enrollment.

Need emergency coverage

You are healthy and temporarily need 'just in case' protection.