In today’s unpredictable world, health insurance is more important than ever. However, not everyone needs or can afford a long-term health insurance plan. That’s where short-term health insurance plans come in — offering affordable, temporary medical coverage for those in transition.
Whether you’re between jobs, waiting for ACA coverage to begin, or just need low-cost protection for a few months, this guide covers everything you need to know about short-term health insurance in the USA.
What is Short-Term Health Insurance?
Short-term health insurance is a type of temporary health coverage that provides limited benefits for unexpected illnesses or injuries. Unlike Affordable Care Act (ACA) plans, short-term insurance is not required to offer comprehensive coverage.
These plans typically last between 1 to 12 months, and in some states, they can be renewed for up to 36 months. They are often used as a stopgap solution during life transitions.
Who Should Consider Short-Term Health Insurance?
Short-term plans are ideal for people who:
- Are between jobs and waiting for new employer coverage
- Missed the ACA open enrollment period
- Are recent college graduates
- Are waiting for Medicare eligibility
- Need affordable temporary coverage while traveling or relocating
Pros and Cons of Short-Term Health Insurance
Benefits of Short-Term Plans:
- Low monthly premiums
- Quick enrollment, often within 24 hours
- Flexibility to choose plan duration
- Available year-round in most states
- Access to large PPO networks
Limitations of Short-Term Plans:
- Do not cover pre-existing conditions
- May not include preventive care, maternity, or mental health
- Higher out-of-pocket costs
- Not ACA-compliant (no subsidies or essential benefits)
- Renewal options vary by state
Short-Term Health Insurance vs. ACA Plans
| Feature | Short-Term Health Insurance | ACA Marketplace Plans |
|---|---|---|
| Coverage Length | 1–12 months (up to 36 in some states) | Year-round coverage |
| Pre-existing Condition Coverage | Not covered | Always covered |
| Subsidies Available | No | Yes, based on income |
| Essential Health Benefits | Not required | Required |
| Enrollment Window | Anytime | Limited (Open/Special) |
| Cost | Lower monthly premiums | Higher premiums (may be subsidized) |
What Does Short-Term Health Insurance Cover?
Coverage varies by provider, but typical short-term health insurance plans include:
- Emergency room visits
- Doctor office visits
- Hospitalization
- Surgery
- Lab tests and diagnostics
- Prescription drug discounts (limited)
Exclusions Often Include:
- Pre-existing conditions
- Maternity care
- Mental health or substance use treatment
- Vision and dental care
- Preventive services
How Much Do Short-Term Health Plans Cost?
Sample Cost Breakdown (2025):
| Age & State | Monthly Premium | Deductible | Coverage Term |
|---|---|---|---|
| 25-year-old in Texas | $80–$120 | $5,000 | 3–6 months |
| 40-year-old in Florida | $100–$180 | $7,500 | 6–12 months |
| 55-year-old in Ohio | $130–$210 | $10,000 | 12 months |
Note: Prices vary by age, gender, state, and insurance provider.
Where to Buy Short-Term Health Insurance
You can purchase short-term coverage from:
- Private insurance carriers
- Online insurance marketplaces
- Licensed insurance brokers
Popular providers include UnitedHealthcare, Pivot Health, National General, and Everest.
State Regulations: Is Short-Term Insurance Available in Your State?
Not all states allow short-term insurance. Here’s a summary:
| State | Availability |
|---|---|
| Texas, Florida | Available up to 36 months |
| California, New York | Not available |
| Illinois, Michigan | Limited to 6 months |
| Arizona, Ohio | Available with renewals |
Visit your state’s insurance department or Healthcare.gov for updated guidelines.
Tips for Choosing the Right Short-Term Plan
- Review exclusions carefully – especially for prescription drugs and pre-existing conditions.
- Understand your deductible and coinsurance – cheap plans often come with high out-of-pocket costs.
- Check the provider network – ensure your preferred doctors and hospitals are covered.
- Use a licensed broker – they can help compare multiple options with no extra cost.
When Is Short-Term Health Insurance a Good Fit?
Short-term plans are a good solution when:
- You’re in a transition period and want temporary protection.
- You’re healthy and under 50, with minimal medical needs.
- You want a low-cost safety net in case of unexpected illness or accidents.
When to Avoid Short-Term Plans
You should avoid short-term health plans if:
- You have chronic health conditions or ongoing medical needs.
- You’re planning a pregnancy or need maternity coverage.
- You qualify for ACA subsidies (you may get better coverage at a lower cost).
- You need comprehensive benefits like mental health services.
Final Thoughts: Should You Choose Short-Term Health Insurance?
Short-term health insurance plans can be a smart, affordable option for those who need temporary medical coverage. While they offer flexibility and fast access, they do come with trade-offs in terms of coverage and protection.
