affordable coverage
for the short term

Find plans for individuals and families

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A / Short term medical

why choose
short term medical

Short term medical coverage protects you from high medical costs when you can’t enroll in more comprehensive health benefits, like a marketplace plan or job-based coverage. Get peace of mind for everyday medical care and unexpected mishaps alike.

Flexible coverage periods

Your choice of plan length, from 30 days up to three years, for both individuals and families.

No deductibles for urgent care

Just pay a $50 access fee, and any additional deductible fees are covered by coinsurance.

Immediate protection

When you sign up for a plan, coverage kicks in as soon as the next day. So you’ll get peace of mind, knowing you’re protected.

Rx benefits and discounts

Keep prescription costs low with a pharmacy discount card. Plus, copay savings on select plans. (Varies by state.)

pick the right plan
for you

Short term medical insurance has a plan to fit your needs and budget if you’re:

  • Between jobs
  • Waiting for open enrollment
  • Aging out of a family plan

add an extra layer
of protection

No one plans for accidents, sudden illnesses or other life-disrupting medical scenarios. But they’re more common than you think. Protect your finances with a supplemental plan. (Supplemental product offering varies by state.)

These plans pay a cash benefit if you’re hurt or critically ill. You can use the money to cover out-of-pocket medical costs or anything else you need, helping you keep more money in your wallet while you recover.

Add-on options:

Accidental injuries

Critical illness

Dental & vision

Dental & vision insurance includes preventive care and routine exams plus can lower your out-of-pocket costs for basic dental care and provide low-cost or free eyeglasses and lenses.

Accident Insurance

Accident insurance

Accident insurance pays a cash benefit for care related to illnesses and injuries such as a broken leg, a bout of pneumonia or even a slip-and-fall when you least expect it.

Critical illness

Critical illness coverage protects your wallet & your peace of mind by paying you a lump sum cash benefit for a diagnosis of cancer, heart attack or stroke.

Term life

Term life insurance protects your family’s finances by giving them a lump sum benefit after your death. It’s affordable peace of mind when you can’t be there to provide for your loved ones.

Frequently asked questions

No, short term health insurance plans do not meet the guidelines under the Affordable Care Act (ACA or “Obamacare”) for major medical insurance. These plans do not count as minimum essential coverage. If you live in a state that requires health insurance, short term plans will not meet this requirement.

Yes, you must complete a short application which includes questions regarding your health. Your answers will determine whether or not you are eligible for the coverage.

No, usually not. While some short term medical plans are “guaranteed-issue,” meaning they accept anyone regardless of health history, even these plans typically won’t cover care related to a pre-existing condition.

There’s no waiting period with our short term medical plans, except for a 7-day waiting period for sickness benefits. Coverage can start as soon as next day.

We have smart solutions that can help. Add more levels of cost protection with our supplemental accident and critical illness plans. They help you get affordable coverage for the things in life you can’t see coming.

get started today
for coverage tomorrow