Dental / Vision Insurance

Short-term health insurance provides temporary, limited coverage for unexpected medical events, typically lasting one to four months.

Short-term health insurance coverage varies greatly depending on the plan and the insurance company you buy from. These types of plans are not required to comply with Affordable Care Act (ACA) guidelines. ACA plans are required to provide certain levels of coverage — called minimum essential coverage. Short-term health plans are not required to meet the same standards.

Short-term medical insurance typically provides some level of coverage for preventive care, doctor visits, urgent care, and emergency care. There may also be coverage for prescriptions. Some plans also offer cost savings for seeing in-network providers.

Make sure to read the “exclusions and limitations” information before buying any plan. This will tell you what’s covered and not covered by a certain plan.

Is Short Term Health Insurance for me?

Short Term Health Insurance may be the right choice for you if you are:

Waiting for open enrollment to apply for an Affordable Care Act (ACA) plan

Not experiencing a situation that’s a qualifying life event and you don’t qualify for a Special Enrollment Period (SEP) to apply for an ACA plan

Waiting for ACA coverage to start

Looking for coverage to bridge you to Medicare

Turning 26 and are coming off your parent's insurance

Between jobs or waiting for benefits to begin at your new job

Healthy and under 65

Important Considerations

Not a Substitute for ACA Plans

Short-term plans are not a comprehensive replacement for ACA-compliant plans, which offer

broader coverage and consumer protections

Potential for High Out-of-Pocket Costs

High deductibles and out-of-pocket maximums can lead to significant expenses if you require

significant medical care.

Limited Consumer Protections

Short-term plans don't offer the same consumer protections as ACA plans, such as guaranteed

coverage for pre-existing conditions or limits on out-of-pocket expenses

Ready To Protect Your Family?

Get a personal consultation or schedule your personal time with Life Health Insured agent to get all of your insurance inquiries answered. Our agent will guide you through the process and help you create peace of mind for you and your loved ones.

Get Personal Consultation

Schedule Personal Time

Travel Medical Insurance

If you need medical attention when you’re traveling, it could be difficult to find the right care — and you may have no coverage and face unexpected medical bills.

Learn More