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UnitedHealthOne

Short Term Health Plans for
Families and Individuals

Short Term Health Insurance Quote

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.2

Short Term Health Insurance

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

Short Term MedicalSM Plans are health plans designed to bridge gaps in coverage for individuals and families in times of transition.1 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.3 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.

Health Insurance Premium SavingsSave 23%5 on Short Term MedicalSM plans when you pay in one lump sum versus monthly payments!

Check out our options (availability varies by state):

  1. Short Term MedicalSM Value

    Temporary Insurance for TanyaTanya 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 MedicalSM Value plan for more affordable coverage. She selected a lower premium plan with a new deductible each term.4
    • 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 MedicalSM Value

  2. Short Term MedicalSM Copay

    Short Term Medical Insurance for MikeMike 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 MedicalSM Copay, because it’s like his previous employer’s health plan, with a convenient, predictable copay for doctor visits and prescriptions.4
    • $50 in-network doctor office visit copay
    • Prescription drug copay coverage5
    • 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 MedicalSM Copay

  3. Short Term MedicalSM Plus

    Temporary Medical Insurance for BrentBrent 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 MedicalSM Plus, Brent has a short term health insurance plan with a set deductible and coinsurance for the coverage period his family needs.4
    • 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 MedicalSM Plus

  4. Short Term MedicalSM Plus Elite

    Temporary Medical Insurance for BrentRandy is planning on retiring early. He needs health insurance to cover him and his wife until he is eligible for Medicare.4 Short Term MedicalSM Plus Elite gives everything Short Term MedicalSM 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 MedicalSM 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 MedicalSM Plus Elite

  5. Short Term MedicalSM

  6. For Kentucky, South Carolina and Wyoming residents, we offer a the Short Term MedicalSM plan for those in transition.
    • No referral required to see a specialist, making it easier for you to receive the care you need.
    • Available deductible amounts range from $500 to $2,500.
    • An extension up to 12 months long is available if you become confined as an inpatient during the coverage period.
    • Choose 1-6 months of coverage.
Short Term Plan Choice Guide Compare Short Term vs. Renewable Health
1 Short term health insurance does not meet minimum essential coverage requirements, meaning signing up for this coverage will result in a tax penalty. 2 Personal insurance is not the same as COBRA, so review your COBRA information carefully. Failure to elect and exhaust COBRA coverage will eliminate HIPAA eligibility. You may have additional rights under state law. 3 Some states excluded. 4 These are hypothetical people for illustration purposes. 5 Tier 1 drugs: $15 copay, no deductible; Tier 2 drugs: $35 copay; Tier 3 drugs: $65 copay; Tier 4 you pay 25% coinsurance, Tiers 2-4 have a combined $500 deductible per policy term.
Policy form numbers C-006.4, MGR03927, GRI-H-5.8P-05, GRI-H-5.8V-05, GRI-H-5.8P-06, GRI-H-5.8V-06, GRI-H-5.7, GRI-H-5.7-10, GRI-H-5.7-15, GRI-H-5.7-16, GRI-H-5.7-39, GRI-H-5.7-40R, GRI-H-5.7-49. 5 Varies by state. For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed Product Advisor to discuss your short term insurance options at (800) 273-8113.
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