Short Term

Short-Term Health Insurance

Protect yourself with temporary health coverage. Discover short-term health insurance plans at up to 60% lower costs.

Access over 3,600 plans from 16+ insurance carriers. Explore insurance company details and make an informed choice

Discover affordable health coverage options during transitional periods with short-term health insurance plans. Find out if a short-term plan is suitable for your needs and explore the best available options through Policywizzard.

Health Insurance

Who is suitable for short-term health insurance coverage?

Employment Change

In between jobs or experiencing a job loss? Protect yourself with coverage during this transitional period with short-term health insurance.

No Obamacare

If you're unable to obtain major medical coverage, consider exploring the option of a short-term insurance plan. It can provide you with the coverage you need in the interim.

College Students

If you're a college student in need of insurance, short-term plans can provide you with the coverage you require, offering flexibility and protection wherever and whenever you need it.

Pre Medicare

Need coverage while you wait? A short-term insurance plan can provide temporary protection in the meantime, ensuring you're covered during the waiting period.

Short-term health insurance offers temporary coverage for individuals experiencing a gap in their permanent coverage. It serves as a safeguard against unforeseen medical expenses and unexpected health events. You may be eligible for short-term health insurance if you:

  • Change jobs
  • Lose employer-sponsored coverage
  • Are waiting for the annual Open Enrollment Period
  • Attend out-of-state college
  • Have other specific instances


With temporary health insurance, you can obtain the necessary proof of coverage required for various activities or professions. Our licensed eHealth insurance agents are dedicated to finding the perfect plan tailored to your unique needs.

Health Insurance

Short-term plans vs major medical insurance

Affordable Rates

Short-term insurance typically offers more budget-friendly premiums compared to other plans, making it an affordable choice for many individuals.

Peace of Mind

Ensure your peace of mind and protect yourself from unexpected medical expenses with a short-term health insurance plan, serving as a safety net during coverage gaps.

Quick Approval

Applicants often receive quick approval and immediate proof of insurance, with many short-term health insurance plans.

Flexible Terms

In most states, short-term insurance can provide coverage for a period of 30-90 days.

Obtain fast short-term health insurance coverage with:

Simple applications Affordable premiums Immediate coverage

While temporary health insurance plans may not offer the same comprehensive coverage as long-term health insurance, they provide emergency coverage for individuals who are not yet ready to purchase an ACA-compliant plan or require temporary coverage until their long-term health insurance plan takes effect.

The knowledgeable agents at eHealth are available to assist you in finding the appropriate plan, and they can also help enhance your coverage by including dental and vision insurance.


Short Term Health Insurance FAQs


Short-term health insurance plans are typically much more affordable than major medical plans. Short-term plans are available for as little as $55 per month,* compared to at least $225 per month for major medical coverage*.

* This is the based on average pricing for plans from eHealth, but actual prices available depend on zip code, age, gender, and other factors. Get a personalized quote to see what may be available for you.

Short-term health insurance can be a good option for individuals who are healthy and do not generally require health services or have regular prescription needs. Short-term health insurance is often worth it for those who want a health plan in case of emergency or need immediate coverage.

Short-term health insurance coverage will vary based on the plan you choose. Most short-term plans will cover emergency hospital visits, certain prescription medications, and some doctors appointments not related to pre-existing conditions.

Most temporary health insurance plans do not cover treatment for pre-existing conditions, maternity care, and mental health, among other items. Short-term plans do not guarantee the essential health benefits and protections in Affordable Care Act plans. Short-term plans may also have waiting periods, during which the plan will not cover certain conditions at the beginning of the plan. If you end one term on a short-term plan, and then begin another short-term plan, you may lose coverage for certain conditions that become pre-existing conditions and may have to restart any deductible or waiting period period requirement in your plan. In some cases, you cannot extend your short-term coverage or buy another short-term plan when your short-term coverage ends. Short-term plans also generallyhave an overall maximum amount they will pay out in coverage.

Be sure to read the details of your plan carefully to understand the limitations of your coverage. The above summary is only general guidance, so you must review your plan's official documentation to see your plan's coverage, limitations, and restrictions.

To qualify for short-term health insurance, you will likely have to fill out a health questionnaire and you may need to disclose any pre-existing conditions, which can disqualify you from obtaining coverage with a temporary health insurance plan. You may also be disqualified by some insurance companies if you:

  • are pregnant
  • are currently insured under another policy
  • are a man who weighs more than 300 pounds or a woman who weighs more than 250 pounds
  • have been diagnosed with, or treated for, HIV or AIDS
  • qualify for Medicaid
  • aren't a U.S citizen

Please note this is not an inclusive list of all reasons you may be disqualified for a short-term plan. Plan qualifications will vary based on the carrier.