Short-term health insurance can be an affordable solution for those looking for health coverage during transitional periods in their lives. Learn if a short-term health insurance plan is right for you and shop the best available short-term plans with eHealth.
More than 3,600 plans from over 16 carriers
Laid off? Job loss? Get covered while in between jobs and employee benefits.
Can't get major medical coverage? A short-term insurance plan may help.
Attending college and need insurance? Short-term plans give you coverage when and where you need it.
Waiting for coverage? A short-term insurance plan can help protect you in the meantime.
Short-term health insurance gives you temporary coverage during a lapse in permanent coverage, protecting you from expensive medical bills that arise from unexpected health changes or emergencies.
You are eligible for short-term health insurance if you:
Temporary health insurance can provide you proof of coverage you need to participate in various activities or vocations. If you need temporary coverage, our licensed eHealth insurance agents will find the right plan for your specific needs!
Get quick short-term health insurance coverage with:
Temporary health insurance plans don’t typically offer the same amount of coverage as long-term health insurance. However, they provide emergency coverage for those who aren’t ready to purchase an ACA-compliant plan or need temporary coverage before their long term health insurance plan kicks in.
eHealth's team of experienced agents are here to help you find the right plan, and can also help expand your coverage to include dental and vision insurance.
Short-term plans vs major medical insurance
Compared to other plans, short-term insurance can have low, affordable premiums.
Peace of Mind
Don’t fly without a safety net. A short-term health insurance plan can help you bridge the coverage gap.
Many applicants are approved and get proof of insurance quickly, sometimes on the spot.
Short-term insurance can cover you for 30-90 days in most states.
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.
Need some help? No problem. Just give us a call to talk to a licensed insurance agent about your options, or schedule a phone appointment at a time that works for you. We’re happy to help you however (and whenever) we can.
Find out everything you ever (or never) wanted to know about your health insurance options
Find what matters to you by comparing different plans, benefits & rates offered by the nation’s top carriers.
Get a personalized quote and choose the health plan with right benefits at the right price for you.
IMPORTANT NOTICE ABOUT SHORT-TERM PLANS:
Short-term health insurance plans are not qualified health plans under the Affordable Care Act (ACA or "Obamacare") and do not meet the coverage and benefit requirements of the ACA. You cannot receive a subsidy (premium tax credit and/or cost-sharing reduction) under the ACA in connection with your purchase of short-term health insurance and may still owe the tax penalty (the individual shared responsibility payment) under the ACA. Some people may qualify for exemptions from the ACA tax penalty. Further information about the ACA and its implications can be found in our Affordable Care Act Resource Center.
Short-term health insurance plans are generally less expensive than qualified health plans under the ACA (also called major medical health insurance), but do not offer the same level of coverage. Short-term health insurance plans are intended for people who do not want or cannot afford major medical insurance or who want a temporary form of limited coverage before they obtain major medical health insurance. Among other limitations and exclusions, short term health insurance plans generally do not cover pre-existing conditions (health and other conditions that exist at the time of application) or the minimum essential coverage of the ACA (benefits such as mental healthcare, pregnancy and childbirth, preventive care, etc.).
Short-term health insurance plans are limited in duration and you will stop receiving benefits when the plan expires. Plan duration and whether you can renew or buy a new plan after plan expiration depend on the plan you choose and the laws in your state. After a short-term plan expires (in some cases, in only 3 months), you must reapply to receive further benefits. If you are accepted for an additional term under a short-term health insurance plan, the plan's deductible and other amounts reset so that amounts paid (or the satisfaction of conditions) under the initial plan are ignored. Similarly, whether you have pre-existing conditions will generally be determined anew as of your approval under the new application. Insurance companies and state laws limit the number of times a short-term insurance policy may be renewed and may restrict your ability to apply for more than one consecutive short-term health insurance plan. Please review the plan details and policy terms for the maximum coverage period allowed by the plan you select.
Purchasing a short-term insurance plan will make you ineligible for any guaranteed-issue individual health plans commonly referred to as HIPAA plans. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other rights under state law.
Shaw Crosby Insurance Brokerage, LLC's website is operated by Shaw Crosby Insurance Brokerage, LLC., a licensed insurance agency doing business as Shaw Crosby Insurance Brokerage, LLC. The purpose of this website is to help individuals, families and businesses obtain the best insurance solution for their specific needs. Contact may be made by an insurance agent/producer or insurance company. We offer plans from a number of insurance companies. Shaw Crosby Insurance Brokerage, LLC. is privately owned and all information and advertisements are independent and are not associated with any state exchange or the federal marketplace. Additionally, Shaw Crosby Insurance Brokerage, LLC. is not associated with, sanctioned by or managed by the federal government, the Centers for Medicare & Medicaid, healthcare.gov or the Department of Health and Human Services.
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