Coverage That Starts Tomorrow

Short-Term Health Insurance

Need coverage NOW? Short-term plans can start tomorrow. Affordable rates, no waiting for Open Enrollment.

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Why Short-Term Health Insurance

Here's what makes our coverage different from anything else you'll find.

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Next-Day Coverage

Most short-term plans take effect within 24 hours of enrollment.

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Flexible Terms

Choose 1, 3, 6, or 12-month coverage periods. Renew if needed.

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Affordable Rates

Premiums often 50–80% lower than ACA plans for healthy people.

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Major Medical Coverage

Covers ER visits, hospitalization, surgery, and accidents.

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Enrollment Anytime

No Open Enrollment Period required — buy any day of the year.

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Bridge to ACA

Perfect for between jobs, after college, before Medicare, or while waiting for Open Enrollment.

Frequently Asked Questions

Quick answers from licensed insurance experts.

Is short-term health insurance ACA compliant?
No. Short-term plans don't have to follow ACA rules — they can deny coverage for pre-existing conditions, exclude essential benefits, and set annual/lifetime limits. Use them as a bridge, not long-term coverage.
Will it cover my pre-existing conditions?
Generally no. Short-term plans typically exclude pre-existing conditions for the first 12 months. If you have ongoing health issues, an ACA marketplace plan is almost always better.
How long can I keep a short-term plan?
Federal rules allow up to 12 months initial term, with renewals up to 36 months total. Some states limit duration further.
Will it cover prescriptions?
Most short-term plans include limited prescription coverage but with restrictions. They're weaker than ACA plans on Rx — important to compare if you take regular medications.
Should I get a short-term plan or COBRA?
Short-term is usually much cheaper. But if you have pre-existing conditions or need full benefits, COBRA or marketplace insurance is safer despite higher cost. Our agents help you decide.

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