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The Best Short Term Health Insurance in Arizona

When life changes in the Grand Canyon State, your health coverage should not disappear.

Short term health insurance provides affordable, adaptable protection during life’s transitions—whether you’re moving to Phoenix, between jobs, or waiting for your new employer’s benefits to begin.

At Health Insurance Now, we help residents compare more than 25 top-rated carriers to find the right temporary fit fast.

  • Coverage can begin as soon as tomorrow
  • Enroll anytime—no open enrollment window in Phoenix or Tucson required
  • Flexible month-to-month options for residents
  • Coverage durations tailored to current state regulations
  • Licensed, specialized agents available right now

Call our local hotline immediately to speak with a licensed specialist.
Receive a custom quote in just 5 minutes over the phone.
Live agents are standing by and available now!

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  • Call our local hotline immediately to speak with a licensed specialist.
  • Receive a custom quote in just 5 minutes over the phone.
  • Live agents are standing by and available now!

Receive a quote in 5 Minutes over the phone.

Plans and Pricing

Individual Plans –
Starting as low as USD 150–USD 490 per month

Pricing depends on your selected deductible, maximum out-of-pocket costs, and specific benefit limits.

Member + Spouse Plans –
Typically range from USD 257–USD 590 per month

Flexible plan designs allow couples to balance essential protection with monthly affordability.

Family Plans (Including Children Under 26) –
Approximately USD 370–USD 1,100 per month

Families can adjust coverage levels to protect their household while staying within a strict monthly budget.

Optional Add-Ons for Residents

Enhance your medical plan with optional dental, vision, or life insurance for more complete peace of mind.

Why Choose Health Insurance Now for Your Coverage?

You could spend hours searching on your own, or you could let our experts handle the heavy lifting for you.

For more than 25 years, Health Insurance Now has guided individuals and families through the complexities of the healthcare market.

We Compare 25+ Carriers

We are not restricted to a single provider. We shop the entire market to find the plan that works for you, not the insurance company.

We Find the Best Options

Our proprietary comparison tool evaluates plans side by side to help ensure you get the best value.

We Move Fast

Our enrollment process is optimized for speed, helping residents get the ID cards they need without delay.

We Offer Real Human Support

Avoid bots and frustrating automated systems. Our licensed specialists understand the health insurance landscape and provide direct, human guidance.

We Support Clients After Enrollment

Whether you have a billing question or need a claim clarified, our team remains your advocate long after your policy starts.

Finding the Right Coverage

The best policy is not the most expensive one; it is the one that provides the specific protection your lifestyle requires.

When you contact our hotline, a licensed specialist will walk you through a few brief questions to understand your budget and timeline. We then analyze multiple plans to help you find the right fit, so you do not pay for benefits you do not need.

Unlike the rigid “Obamacare” plans found on the Marketplace, these plans offer more flexibility. You are not locked into a one-size-fits-all model. Instead, you choose the deductibles and timeframes that align with your current situation.

Our mission is straightforward: helping you secure high-quality protection at a price that makes sense for your lifestyle.

Call now and let us help you find the coverage you need.

How These Benefits Work

A major reason people choose this type of temporary coverage is affordability compared with other options.
Many applicants find that these plans cost significantly less than unsubsidized Marketplace coverage—often resulting in 30–50% lower premiums, depending on your age and location in the state.
How is this possible?
These plans operate differently from ACA Marketplace plans. They use medical underwriting and are built specifically for transitional periods. That structure can allow for much lower monthly premiums for healthy individuals and families.
But affordability does not mean a lack of choice.
With most plans, you still maintain control over:
  • Your annual deductible
  • Coinsurance percentages
  • Copayments for doctor visits
  • Maximum out-of-pocket limits
  • The exact length of your coverage

This flexibility helps you build a plan that protects your finances while fitting your budget. Note that while these plans protect against new injuries and illnesses, they typically do not cover pre-existing conditions.

For people in a transition period, they can provide the essential ER and hospital protection you need without the high cost of government-regulated plans.

Get a Quote in 5 Minutes

Finding an inexpensive quote should not be a time-consuming chore. When you call our team, a licensed specialist will quickly assess your needs. Within minutes, we can review every plan available in your ZIP code and provide concrete pricing right away.
  • No open enrollment waiting periods
  • No intrusive income verification
  • No endless online forms to fill out

We provide clear answers and direct pricing for the market. In many cases, your coverage can be active as early as tomorrow.

What Is Short Term Health Insurance?

Short term health insurance is a temporary medical bridge designed to protect you during gaps in standard health coverage.

Unlike ACA plans, these policies are available 365 days a year. You do not need a qualifying life event to sign up in AZ.

These plans are a practical fit for:
  • Arizonans between jobs
  • Self-employed Phoenix or Tucson professionals
  • Gig workers and freelancers in AZ
  • Early retirees waiting for Medicare
  • Recent ASU or UofA graduates
  • Anyone who missed the open enrollment window

It provides a practical safety net, helping protect your bank account while you move toward a long-term solution.

Call now and speak with a licensed specialist today.

Who This Coverage Helps in Arizona

Life does not always go according to plan. When coverage gaps occur, temporary insurance can step in to fill the void.

Between Jobs

Lost your work-based coverage? Stay protected until your next employer’s benefits package begins.

Missed the AZ Open Enrollment

If you missed the federal deadline and do not have a special enrollment trigger, this may be your only way to get covered today.

Waiting for New Employer Benefits

Many companies have a 90-day waiting period. Do not risk being uninsured during that window.

Self-Employed

If you do not qualify for ACA subsidies, this can be a much more budget-friendly alternative for small business owners.

Early Retirees

If you have retired early in AZ but are not yet 65, these plans can bridge the gap until you are eligible for Medicare.

How Much Does It Cost in Arizona?

The biggest draw is often the low cost.

Because these plans are customizable, you can set your benefit levels to match your budget. You pay only for the exact duration you need. We can help you find the longest duration allowed by current state law so you have the flexibility you need.

Want to know your exact rate? Call now and receive a personalized quote in 5 minutes.

How Fast Can You Get Covered in Arizona?

This coverage is designed for rapid deployment.
  • No enrollment restrictions
  • Nearly instant approval process
  • Coverage can start in 24 hours
  • No paperwork-heavy income checks
An accident on the I-10 or a sudden illness does not wait for a convenient time. One ER visit can be financially devastating. Secure your protection today.

Benefits Available in Arizona

While plans vary across the state, most policies include:

Doctor and specialist visits

Emergency room visits

Inpatient hospital stays

Necessary surgical procedures

X-rays and diagnostic testing

Access to PPO networks

Flexible monthly durations

Important: These plans are not ACA-compliant and do not cover all essential health benefits.
Our agents will explain the specifics of your Arizona policy so you are fully informed.

Temporary Coverage vs. Marketplace Plans in Arizona

Temporary Coverage

  • Enroll any day of the year
  • Significantly lower premiums for many residents
  • Total month-to-month flexibility
  • Near-instant approval
  • Wide variety of deductible choices

Marketplace Plans

  • Restricted enrollment windows
  • Heavy income documentation required
  • Fixed, standardized benefits
  • Often higher costs for those without AZ subsidies

The Financial Risk of Waiting in Arizona

Medical debt is a major issue for families across the state.

Thousands

A simple fracture can cost thousands in Phoenix

USD 30,000

A multi-day hospital stay in Tucson can exceed USD 30,000

Six Figures

Emergency surgery in AZ can easily reach six figures
Going without coverage, even for a few weeks, is a massive gamble. This type of plan provides the financial protection you may need.

Don’t Risk Another Day Without Coverage

You have two choices. Stay uninsured and hope for the best. Protect your future and your family right now.
📞 Call now to speak with a licensed specialist.
Get your free quote in minutes. Coverage can start as soon as tomorrow.
Get a Free Quote

Frequently Asked Questions (FAQ)

What is short term health insurance?
It is temporary medical protection designed for residents experiencing a gap in traditional coverage. It focuses on shielding you from high costs related to new illnesses or injuries.
Most plans do not cover conditions you had before the policy started. Our agents can help you understand how this works under law.
You can buy it through specialized brokers like Health Insurance Now. We compare the top 25+ carriers to help find your best rate.
The duration depends on current state regulations and carrier options. We will find you the longest available term for your needs.
Yes. There are no long-term contracts. You can cancel your policy at any time without penalty.
We offer a one-stop shop for the market. Instead of calling every carrier yourself, we provide an unbiased comparison to help ensure you get the best deal in the state.

Looking for Immediate Help?

Call our hotline — agents are standing by right now.  Get a quote in 5 minutes!