Is Your Life in Transition?

Discover a short term health plan solution that fits your situation.

Recent Grad – Waiting for a new job’s health plan to kick in? Check out your options.
Current Student – Whether it’s a car accident or the flu, make sure you’re covered during college.
In-between Jobs Health Plans – Perhaps your employee benefits haven’t started. Or maybe your job is seasonal. You have choices.
Waiting for Medicare – Retiring early may open a gap in health coverage. Consider a temporary insurance plan.
Temporarily Unemployed – A short term health plan can serve as a COBRA alternative. Get details today.¹

Short Term Health Insurance

Helping Fill in the Gaps for Individuals and Families with Temporary Health Insurance

Short Term Medical^SM Plans are health plans designed to bridge gaps in coverage for individuals and families in times of transition. Because we know that life can change quickly, our short term insurance plans give you the flexibility to drop your coverage at any time without penalty; or apply for another term of coverage.² Based on your needs, you can select the length of time (1 to 11 months in many states) and from a range of available deductible amounts.

Temporary insurance plans are usually more affordable than traditional individual health coverage. Take a few minutes to check out our short term insurance quotes and see for yourself! Don’t forget to explore our prescription drug discount cards and prescription drug copay coverage, too.

Save 23%⁵ on Short Term Medical^SM plans when you pay in one lump sum versus monthly payments!

Check out our options (availability varies by state):

Short Term Medical^SM Value
Tanya just graduated from college. She’s played soccer since grade school and knows that accidents just happen, on and off the field. While she looks for that first job on her career path, Tanya has a Short Term Medical^SM Value plan for more affordable coverage. She selected a lower premium plan with a new deductible each term.³
- Costs less than our Copay and Plus plans
- Deductibles from $1,000 to $10,000 per term; after deductible is met we pay 70% of covered expenses up to $16,666, then we pay 100% of covered expenses after that
See detailed plan options for Short Term Medical^SM Value
Short Term Medical^SM Copay
Mike lost his job and is actively looking for a new one. The high cost of COBRA health coverage had him seeking an alternative. Mike takes several prescription medications and visits his doctor multiple times a year. He chose Short Term Medical^SM Copay, because it’s like his previous employer’s health plan, with a convenient, predictable copay for doctor visits and prescriptions.³
- $50 in-network doctor office visit copay
- Prescription drug copay coverage⁴
- Deductibles from $1,000 to $10,000 per term; after deductible is met we pay 80% of covered expenses to $20,000, then we pay 100% of covered expenses after that
- $4,000 Coinsurance out-of-pocket maximum per term
- Maximize your deductible coverage with the Supplemental Accident Benefit
See detailed plan options for Short Term Medical^SM Copay
Short Term Medical^SM Plus
Brent is a single father now, and he’s responsible for his little girl. So, a budget for his family’s needs is important. More certainty about out-of-pocket medical expenses is what he wants. With Short Term Medical^SM Plus, Brent has a short term health insurance plan with a set deductible and coinsurance for the coverage period his family needs.³
- Offers more coverage than Value plan
- Great for those who seek predictable out-of-pocket expenses
- Deductibles from $1,000 to $10,000 per term; after deductible is met we pay 80% of covered expenses to $10,000, then we pay 100% of covered expenses after that
- $2,000 Coinsurance out-of-pocket maximum per term
See detailed plan options for Short Term Medical^SM Plus
Short Term Medical^SM Plus Elite
Randy is planning on retiring early. He needs health insurance to cover him and his wife until he is eligible for Medicare.³ Short Term Medical^SM Plus Elite gives everything Short Term Medical^SM Plus offers plus an additional $500,000 lifetime maximum benefit.
- Deductibles from $1,000 to $10,000 per term; after deductible is met we pay 80% of covered expenses to $10,000, then we pay 100% of covered expenses after that
- Same coverage options as Short Term Medical^SM Plus except instead of a $1,000,000 lifetime maximum, you get $1,500,000
- $2,000 Coinsurance out-of-pocket maximum per term
- Maximize your deductible coverage with the Supplemental Accident Benefit
See detailed plan options for Short Term Medical^SM Plus Elite