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The Best Short Term Health Insurance in Arizona

When life changes in the Grand Canyon State, your health coverage shouldn’t 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 kick in.

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

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

Call our local hotline immediately to speak with a licensed specialist.
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We Offer Short Term Health Insurance Plans & Pricing

Short term health insurance gives you inexpensive, flexible protection when you need it most — whether you’re between jobs, missed open enrollment, or waiting for employer benefits to begin.

With Health Insurance Now, you can compare over 25 top-rated carriers nationwide and get covered fast.

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

Pricing for short term health insurance depends on your selected deductible, maximum out-of-pocket costs, and specific benefit limits.

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

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

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

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

Optional Add-Ons Available

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

Why Choose Health Insurance Now for Your Coverage?

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

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

Here’s why Golden State clients trust us:

We Compare 25+ Carriers for AZ Residents

We aren’t 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 Short Term Options

Our proprietary comparison tool allows us to evaluate various plans side-by-side to ensure you get the best value.

We Are Faster for Your Needs

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

We Offer Real Human Support

Avoid the bots and frustrating automated systems. Our licensed specialists understand the health 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.
When you call Health Insurance Now, you aren’t just buying a policy — you’re gaining a dedicated partner.

Best Short Term Health Insurance Coverage

The best short term health insurance isn’t about finding the most expensive policy; it’s about securing the specific protection your lifestyle requires.

When you contact our hotline, a licensed specialist will walk you through a few brief questions to determine your budget and timeline. We then analyze multiple plans to help you find a perfect fit—ensuring you don’t pay for unnecessary benefits.

Unlike the rigid “Obamacare” plans found on the Marketplace, short term health insurance offers unmatched flexibility. You aren’t 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 — and nothing you don’t.

Short Term Health Insurance Benefits Explained

The primary driver for choosing short term health insurance is its incredible affordability compared to other options.

Many applicants discover that these temporary 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 that possible?
Short term plans operate differently than ACA Marketplace plans. They utilize medical underwriting and are specifically built for transitional periods. This structure allows for much lower monthly premiums for healthy individuals and families.
But affordability doesn’t mean a lack of choice.
With most short term health insurance 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 empowers you to construct a plan that shields 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 those in a transition period, it provides the essential ER and hospital protection you need without the high cost of government-regulated plans.

Affordable Short Term Health Insurance Quotes in 5 Minutes

Finding an inexpensive short term health insurance quote shouldn’t be a time-consuming chore. When you call our team, a licensed specialist will quickly assess your needs. Within minutes, we can look at every short term health insurance plan available in your zip code and provide concrete pricing immediately.

  • No endless online forms to fill out
  • No complicated online forms.
  • No intrusive income verification
  • Just clear answers and straightforward pricing.
We provide clear answers and direct pricing for the market. In many instances, 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 don’t need a “qualifying life event” to sign up in AZ.

These plans are ideal 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

Short term health insurance provides a practical safety net, protecting your bank account while you move toward a long-term solution.

If you need coverage now, you can’t afford to wait.

Call our hotline immediately to speak with a specialist.

Who Needs Short Term Health Insurance in Arizona?

Life doesn’t always go according to plan. When coverage gaps occur, short term insurance steps in to fill the void.

Between Jobs

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

Missed Open Enrollment

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

Waiting for Employer Benefits

Many companies have a 90-day waiting period. Don’t risk being uninsured during that window.

Self-Employed or Freelance

If you don’t qualify for ACA subsidies, short term health insurance offers a much more budget-friendly alternative for small business owners.

Early Retirees

If you’ve retired early in AZ but aren’t yet 65, these plans bridge the gap until you are eligible for Medicare.

Whatever your situation, Health Insurance Now can help you find the best short term health insurance plan for your needs.

How Much Does Short Term Health Insurance Cost in Arizona?

The most significant draw of short term health insurance is the low cost.

Because these plans are fully customizable, you can set your benefit levels to match your wallet. You only pay for the exact duration you need. We can help you find the most extended duration allowed by current state law to ensure you have the flexibility you require.

The fastest way to know your exact price?  Call our hotline immediately to speak with a specialist.

How Fast Can You Get Covered in Arizona?

Short term health insurance is designed for rapid deployment.

  • No enrollment restrictions
  • Nearly instant approval process
  • AZ coverage can start in 24 hours
  • No paperwork-heavy income checks
An accident on the I-10 or a sudden illness doesn’t wait for a convenient time. One ER visit can be financially devastating. Secure your protection today.

Arizona Short-Term Health Insurance Benefits

While plans vary across the state, most short term policies include:

AZ 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

Short term health insurance plans are designed to provide meaningful financial protection during unexpected events.

Important: Short term 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.

Our licensed agents will walk you through every detail so there are no surprises.

Arizona Short Term Insurance vs. Marketplace Plans

Understanding the difference can help residents choose wisely.

Short Term Health Insurance

  • Enroll any day of the year in AZ
  • 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

Short term health insurance isn’t for everyone — but for many healthy Hoosiers in transition, it can be a smart, affordable solution.

The Financial Risk of Waiting in Arizona

Medical debt is a major issue for families throughout.

Thousands

A simple fracture can cost thousands in Phoenix

$30,000+

A multi-day hospital stay in Tucson can exceed $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. Short term health insurance provides the wall of defense you need.

Don’t Risk Another Day Without Arizona Coverage

You have options. You can stay uninsured and hope nothing happens. Or you can protect yourself and your family today with short term health insurance.

📞 Call Now — Speak With a Licensed Short Term Health Insurance Specialist
Get a free quote in minutes. Coverage can start as soon as tomorrow.
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Frequently Asked Questions (FAQ)

Get answers to the most common questions about short term health insurance.

What is short term health insurance?
It is temporary medical protection designed for AZ 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 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 ensure you get the best deal in the state.

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