The Best Short Term Health Insurance Minnesota Provider
When life changes, your health coverage shouldn’t disappear.
Short term health insurance gives you inexpensive, flexible protection when you need it most—whether you’re between jobs in the Twin Cities, missed open enrollment, or waiting for employer benefits to begin.
With Health Insurance Now, you can compare over 25 top-rated carriers and get covered fast.
- Coverage can begin as soon as tomorrow
- Enroll anytime—no open enrollment required in MN
- Flexible month-to-month options
- Coverage available up to 36 months in many states
- Licensed 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!
Get Your Free Quote 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!
Receive a quote in 5 Minutes over the phone.
Plans & Pricing
Individual Plans –
Starting as low as USD 150–490 per month
Pricing for short term health insurance varies based on coverage level, deductible, maximum out-of-pocket, and benefit limits chosen for your policy.
Member + Spouse Plans –
Typically range from USD 257–590 per month
Flexible plan designs allow couples to choose the right balance of medical protection and monthly affordability.
Family Plans (Including Children Under 26) –
Approximately USD 370–1,100 per month
Family coverage levels can be adjusted to fit your household’s specific healthcare needs and monthly budget.
Optional Add-Ons Available
Vision, dental, and life insurance coverage can often be added to your short term health insurance for additional protection.
Why Choose Health Insurance Now?
You could try to shop for health plans on your own. Or you could let experts do the work for you. For over 25 years, Health Insurance Now has helped individuals and families across the state navigate the complex world of healthcare coverage.
We Compare 25+ Carriers
We are not tied to one insurance company. We work for you—not the carrier—to find the best rates.
We Find the Right Options
Our proprietary comparison process helps you evaluate multiple available plans side by side.
We Are Faster
Our streamlined enrollment process gets you covered quickly, often with same-day processing for residents.
We Offer Real Human Support
No bots. No confusing online portals. Just licensed specialists ready to guide you through insurance regulations.
We Stay With You After Enrollment
Questions? Billing concerns? Coverage clarification? We’re here for our clients long after the policy starts.
When you call Health Insurance Now, you aren’t just buying a policy—you’re gaining a dedicated advocate.
Ready to Save on Health Insurance?
Call now and get a quote in 5 minutes. Live agents available!
Finding the Right Coverage
The best coverage isn’t about buying the biggest policy—it’s about getting the right protection for your specific situation.
When you call our hotline, one of our licensed specialists will ask a few simple questions to understand your needs, your budget, and your timeline. From there, we compare multiple short term health insurance plans to help you select coverage that fits—without paying for benefits you may not need.
Unlike standardized MNsure plans, this coverage gives you total flexibility. You’re not forced into a one-size-fits-all structure. Instead, you choose deductibles, coverage levels, and timeframes that make sense for your life right now.
Our goal is simple: help Minnesotans secure meaningful protection at a price that works.
Call now and let us help you find the coverage you need—and nothing you don’t.
How These Plans Work
One of the biggest reasons people choose this coverage is simple: affordability.
Many applicants find that short term health insurance plans can cost significantly less than unsubsidized Marketplace coverage—often 30–50% lower premiums, depending on age and plan design.
How is that possible?
These plans are structured differently from ACA Marketplace plans. They are medically underwritten and designed to provide temporary coverage during transitional periods. Because of this structure, premiums are often more budget-friendly for healthy individuals and families.
With many plans, you can still choose:
- Your deductible
- Coinsurance levels
- Copay options (where available)
- Maximum out-of-pocket limits
- Length of coverage
It’s important to understand that these plans are not ACA-compliant and generally do not cover pre-existing conditions. However, they are designed to protect you against new, unexpected illnesses or injuries that occur while you are enrolled in Minnesota.
Ready to Save on Health Insurance?
Call now and get a quote in 5 minutes. Live agents available!
Affordable Quotes in 5 Minutes
Getting an inexpensive quote shouldn’t take hours.
When you call our hotline, a licensed specialist will ask a few quick questions about your needs. Within minutes, we can review multiple short term health insurance plans available and provide real pricing, not estimates.
- No open enrollment delays in MN
- No income verification process
- No complicated online forms
Just clear answers and straightforward pricing. In many cases, your coverage can begin as soon as the next day.
What Is Short Term Health Insurance Minnesota?
Short term health insurance is temporary medical coverage designed to protect you during gaps in traditional health insurance.
Unlike Marketplace plans, these plans are available year-round. You don’t have to wait for open enrollment or qualify for a special life event.
These plans are ideal for:
- Individuals between jobs in Minnesota
- Early retirees under 65
- Those who missed the MNsure enrollment window
- Self-employed professionals and freelancers
- Recent college graduates
This coverage provides a practical bridge, protecting you financially while you transition into long-term coverage.
Who This Coverage Helps
Life doesn’t always move on a predictable timeline. Coverage gaps happen. When they do, this type of coverage can step in quickly.
Between Jobs
Lost employer coverage? Temporary insurance keeps you protected until your next benefits package begins.
Missed Open Enrollment
If you missed the ACA enrollment window and don’t qualify for a special enrollment period, this coverage may be your only immediate option.
Waiting for Employer Benefits
Many employer plans have a 30–90 day waiting period. Don’t stay uninsured during that time.
Self-Employed or Freelance
If you don’t qualify for subsidies, Marketplace premiums can be expensive. This coverage can offer a more budget-friendly alternative.
Early Retirees
Retired before 65 in Minnesota? Temporary coverage can help bridge the gap until Medicare eligibility.
What It Costs
One of the biggest advantages of this coverage is affordability.
Many plans cost significantly less than unsubsidized Marketplace plans. Because these plans are customizable, you can select deductibles, coinsurance, and benefit levels that fit your budget. You only pay for the time you need coverage.
In many states, coverage can last up to 36 months—giving you extended flexibility without long-term commitment.
The fastest way to know your exact price? Call now and receive a personalized quote in 5 minutes.
How Fast Can You Get Covered?
This coverage is built for speed.
- No open enrollment restrictions
- Coverage can begin in as little as 24 hours
- Quick approval process for MN residents
- No income verification required
Accidents don’t wait. Illness doesn’t schedule itself. Why risk going uninsured for even a week? Call Health Insurance Now today and secure protection immediately.
Common Benefits
Benefits vary by plan, but many policies typically include:
Doctor visits and specialist consultations
Hospital stays and surgical procedures
PPO network access
Emergency room coverage
Diagnostic testing and X-rays
Flexible coverage periods
These plans are designed to provide meaningful financial protection during unexpected events. Our licensed agents will walk you through every detail so there are no surprises.
Short-Term Plans vs. Marketplace Plans
Understanding the difference can help you choose the right coverage.
Short-Term Coverage
- Enroll anytime year-round
- Often lower premiums (for those not receiving subsidies)
- Month-to-month flexibility
- Faster approval and activation
- Available up to 36 months in many areas
Marketplace Plans (MNsure)
- Limited open enrollment periods
- Income documentation required for subsidies
- Standardized benefits and ACA compliance
- May have higher premiums without subsidies
The Financial Risk of Waiting
Medical bills are one of the leading causes of financial hardship.
Thousands
A broken bone can cost thousands
$30,000+
A 3-day hospital stay can exceed
$30,000
Six Figures
Emergency surgery can reach six
figures
Going uninsured in Minnesota, even briefly, exposes your family to massive financial risk. This coverage provides a layer of protection that can prevent one unexpected event from turning into long-term financial damage.
Don’t Risk Another Day Without Coverage
You have options. You can stay uninsured and hope nothing happens, or you can protect yourself and your family today with the right temporary plan.
📞 Call Now — Speak With a Licensed Short Term Health Insurance Specialist
Get a free quote in minutes. Coverage can start as soon as tomorrow.
Frequently Asked Questions (FAQ)
What is this coverage in Minnesota?
It is temporary medical coverage designed to protect residents during gaps in traditional health insurance.
Does it cover pre-existing conditions?
Most plans do not cover pre-existing conditions. These plans are designed for new illnesses or injuries.
Where can I buy it in Minnesota?
You can purchase it through licensed brokers like Health Insurance Now. We compare over 25 carriers to find the right Minnesota plan for you.
How long can I keep a plan?
In many states, including options for Minnesota residents, coverage can last up to 36 months depending on the carrier.
Is it cheaper than ACA plans in Minnesota?
For individuals in Minnesota who do not qualify for subsidies, these plans are often significantly more affordable.
Can I cancel my plan anytime?
Yes. You can, at any time. There are no long-term commitments.