Life is unpredictable—and sometimes your health coverage is too. That’s where short-term health insurance comes in. Whether you’re between jobs, waiting for open enrollment, or need temporary coverage, short-term plans can offer peace of mind when you need it most.
⏱️ What Is Short-Term Health Insurance?
Short-term health insurance provides temporary medical coverage for individuals who are uninsured for a limited time. These plans usually last from 30 days to 12 months, and in some states, you can renew for up to 36 months.
They’re not meant to replace long-term insurance but to fill gaps in coverage.
💡 Who Should Consider It?
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People between jobs
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Recent college graduates
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Those waiting for employer or ACA plan coverage to begin
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Temporary residents or expats in the U.S.
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Early retirees not yet eligible for Medicare
💰 Average Cost in 2025
Short-term plans are generally more affordable than traditional health insurance.
Expect to pay:
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Monthly Premium: $50–$200
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Deductibles: $1,000–$10,000
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Out-of-pocket max: Higher than standard plans
Keep in mind: Lower premiums often mean limited coverage.
✅ Pros
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Fast approval—coverage can start next day
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Lower monthly premiums
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Choose your term length
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Nationwide availability
❌ Cons
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Doesn’t cover pre-existing conditions
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May exclude maternity, mental health, and prescription drugs
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Not ACA-compliant (no guaranteed essential benefits)
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Limited provider networks
Final Thoughts
Short-term health insurance isn’t for everyone—but it can be a lifesaver during life transitions. Just be sure to read the fine print and understand what’s covered before enrolling. For long-term needs, always consider ACA or employer-based plans first.