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Save Time and Money with Temporary Health Insurance
Looking for affordable health insurance that fits your life? Finding your medical insurance options too limited and too expensive? GetHealthInsurance offers a variety of Short Term health insurance plan options with multiple carriers to give you choices that fit your budget and work for where you are in your life right now.
Get quotes in seconds, apply in minutes, and if you qualify, get covered as soon as the next day!
Short Term Plan Perks
- Low premiums from multiple carriers
- Different plans with different benefits = choice of costs
- Deductible options
- Coverage available year round
- Quick and simple application process
- Fast coverage, as soon as next day from some carriers
What Short Term Health Insurance Is
Sometimes called Temporary health insurance or Term health insurance, Short Term health insurance provides health coverage during those “in between” times in your life, the changes that often come with a gap in your health insurance.
- You’re between jobs or waiting for benefits to kick in at your new job
- You’re waiting for Medicare or that Affordable Care Act (ACA) coverage you applied for to start
- You’re a college student, just out of school or coming off your parent’s insurance
- You missed Open Enrollment for ACA health plans and don’t qualify for Special Enrollment
- You lost coverage because of a divorce and are weighing your options
Whatever you are “in between,” whatever changes you are going through, if you are in good health and under 65, Short Term insurance can be a fast, flexible health insurance solution that could save you money.
What Short Term Health Insurance Isn't
Short Term medical insurance is not minimum essential coverage (MEC) as defined by the ACA. It is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits.
Short Term insurance is also not guaranteed issue like ACA health plans are. Being guaranteed issue ensures that with an ACA health plan you cannot be turned down for coverage because of any preexisting conditions you might have. Short Term insurance is medically underwritten. You must answer a series of medical questions and then be approved for coverage.
Short Term vs. ACA Coverage
It's worth repeating: Short term health insurance is not “minimum essential coverage.” It is not required to cover the same benefits an ACA health plan is required by law to cover. You'll want to make sure before you buy that the more limited benefits of a Short Term health plan make sense for your situation.
Also, if you don't have minimum essential coverage for any month in 2018, you may have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month. Starting in 2019, the federal tax payment for not having minimum essential coverage goes away.
If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.
Choosing Short Term Health Insurance with GetHealthInsurance
Your situation is unique. You may not need all the benefits of an Affordable Care Act plan and want something more customized to fit your needs right now. With Short Term insurance available from multiple national carriers, GetHealthInsurance can help you find plans where you:
- Select the length of coverage down to the day (up to 360 days in some states)
- Pick your deductible amount
- Choose your options, like whether to include prescription coverage, supplemental accident insurance or a doctor visit copay
- Apply for another term of coverage if needed in some states
- Drop your coverage without penalty
Tips for Short Term Savings
- Pay your whole premium up front
- Choose a higher deductible plan
- Choose a plan with fewer benefits
- Pick a per cause deductible, if available
- Make sure your plan has a premium refund option
- Stay with doctors/hospitals in-network
We Take Your Personal Short Term Health Insurance Decision Personally
Because GetHealthInsurance specializes in personal insurance, not employer-sponsored insurance, and because we offer Short Term insurance choices from multiple carriers, we can help you weigh your options before you spend any of your hard-earned health care dollars. Call 1-866-370-8160 to speak with one of our licensed Product Advisors today!
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