The Best Short Term Health Insurance in Colorado
When life changes in the Centennial State, your medical protection shouldn’t disappear.
Short term health insurance gives you inexpensive, flexible protection when you need it most—whether you’re hiking the Rockies between jobs, missed the state’s open enrollment, or are waiting for new employer benefits in Denver or Springs to begin.
With Health Insurance Now, you can compare over 25 top-rated carriers to find short term health insurance and get covered fast.
- Coverage can begin as soon as tomorrow
- Enroll anytime—no open enrollment required
- Flexible options tailored to your transition
- Terms available up to the maximum allowed by law
- Licensed -area 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.
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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 varies based on your chosen coverage level, deductible, maximum out-of-pocket, and benefit limits.
Member + Spouse Plans –
Typically range from $257–$590 per month
Flexible plan designs allow couples to choose the right balance of protection and affordability during a gap in coverage.
Family Plans (Including Children Under 26) –
Approximately $370–$1,100 per month
Coverage levels can be adjusted to fit your household’s specific medical needs and monthly budget.
Optional Add-Ons for Residents
Vision, dental, and life insurance coverage can often be added to your short term health insurance for comprehensive protection.
Why Choose Health Insurance Now for Coverage?
You could try to shop the market on your own. Or you could let local experts do the heavy lifting for you. For over 25 years, Health Insurance Now has helped individuals and families across navigate the complex world of temporary healthcare.
Here is why clients trust us:
We Compare 25+ Carriers
We are not tied to one single insurance company. We work for you—finding the most competitive short term health insurance from a variety of carriers.
We Find the Best Short Term Health Insurance Options
Our proprietary comparison process helps residents evaluate multiple plans side by side to see which one fits their unique lifestyle.
We Are Faster
Our streamlined enrollment process is designed to get you covered quickly, often with same-day processing for applicants.
We Offer Real Human Support
No bots. No confusing online portals. Just licensed specialists ready to guide you through the specific regulations of short term health insurance.
We Stay With You After Enrollment
Questions about your Denver-based provider? Billing concerns? We’re here for our neighbors long after the policy starts.
When you call Health Insurance Now, you aren’t just buying a policy—you’re gaining a dedicated advocate in the healthcare market.
Ready to Save on Health Insurance?
Call now and get a quote in 5 minutes. Live agents available!
Best Short Term Health Insurance Coverage
The best short term health insurance isn’t about buying the biggest policy—it’s about getting the right protection for your specific situation in the Front Range.
When you call our hotline, one of our licensed specialists will ask a few simple questions to understand your lifestyle, 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 Connect for Health plans (“Obamacare”), short term options give you flexibility. You’re not forced into a one-size-fits-all structure. Instead, you choose deductibles and coverage levels that make sense for your life right now.
Our goal is simple: help you secure meaningful protection at a price that works for your budget.
Coverage levels can be adjusted to fit your household’s needs and budget.
Call now and let us help you find the coverage you need—and nothing you don’t.
Short Term Health Insurance Benefits Explained
One of the biggest reasons residents choose short term health insurance is simple: affordability.
Many applicants find that short term plans can cost significantly less than unsubsidized Marketplace coverage—often 30–50% lower premiums, depending on your age and the specific plan design.
How is that possible?
Short term 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.
But affordability doesn’t mean you lose control.
With many short term health insurance plans, you can still choose:
- Your deductible
- Coinsurance levels
- Copay options (where available)
- Maximum out-of-pocket limits
- Length of coverage
This flexibility allows you to build coverage that fits both your healthcare needs and your financial goals. It’s important to understand that these plans are not ACA-compliant and generally do not cover pre-existing conditions.
However, they protect you against new, unexpected illnesses or injuries that occur while you are exploring.
Ready to Save on Health Insurance?
Call now and get a quote in 5 minutes. Live agents available!
Affordable Short Term Health Insurance Quotes in 5 Minutes
Getting an inexpensive short term health insurance quote shouldn’t take hours.
When you call our hotline, a licensed specialist will review the plans available in your zip code. Within minutes, we can review multiple options and provide real pricing, not just estimates.
- No open enrollment delays.
- No complicated forms.
- No state income verification process.
- Just clear answers and straightforward pricing.
Just clear answers and straightforward pricing for the Centennial State. In many cases, your coverage can begin as soon as the next day.
What Is Short Term Health Insurance?
Short term health insurance is temporary medical coverage designed to protect you during gaps in traditional insurance.
Unlike Connect for Health plans, these plans are available year-round. You don’t have to wait for a specific window or qualify for a special life event. These plans are ideal for:
- Individuals between jobs
- Freelancers and gig workers
- Recent college graduates
- Self-employed professionals
- Early retirees under 65
- Those who missed the state enrollment window
Short term health insurance provides a practical bridge, protecting you financially while you transition into long-term coverage.
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?
Life doesn’t always move on a predictable timeline. Coverage gaps happen. When they do, short term health insurance can step in quickly.
Between Jobs
Lost employer coverage in the Denver tech sector or springs? Short term 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 period, short term health insurance may be your only immediate option.
Waiting for Employer Benefits
Many employer plans have a 30–90 day waiting period. Don’t stay uninsured while working your new job.
Self-Employed or Freelance
If you don’t qualify for subsidies, Marketplace premiums can be expensive. Inexpensive short term health insurance can offer a better alternative.
Early Retirees
Retired before 65? Short term coverage can help bridge the gap until you reach Medicare eligibility.
Whatever your situation, Health Insurance Now can help you find the best short term health insurance for your needs.
How Much Does Short Term Health Insurance Cost?
One of the biggest advantages of short term health insurance is the low cost.
Many plans in the state cost significantly less than unsubsidized Marketplace plans. Because these plans are customizable, you can select benefit levels that fit your mountain-town budget. You only pay for the time you need coverage.
Coverage durations are subject to state-specific limits, giving you flexibility without long-term commitment. The fastest way to know your exact price?
The fastest way to know your exact price? Call our hotline immediately to speak with a specialist.
How Fast Can You Get Covered?
Short-term health insurance is built for speed.
- No enrollment restrictions
- Quick approval for residents
- Coverage can begin in as little as 24 hours
- No income verification required
Accidents on the slopes don’t wait. Illness doesn’t schedule itself. One emergency room visit can cost thousands. Why risk going uninsured for even a week in the Centennial State?
Short-Term Health Insurance Benefits
Short term health insurance benefits vary by plan, but many policies typically include:
Doctor visits
Inpatient hospital stays
Diagnostic testing and labs
Flexible coverage periods
ER coverage hospitals
Surgical procedures
Access to PPO networks
Budget-friendly premiums
These plans are designed to provide meaningful financial protection during unexpected events.
Important: Short term plans are not ACA-compliant and do not cover every essential health benefit. Our licensed agents will walk you through details.
Our licensed agents will walk you through every detail so there are no surprises.
Short Term Insurance vs. Marketplace Plans
Understanding the difference helps residents choose wisely.
Short Term Health Insurance
- Enroll anytime
- Lower premiums for residents without subsidies
- Month-to-month flexibility
- Faster approval for applicants
- Broader deductible options
- Available for extended durations
Marketplace Plans
- Limited open enrollment
- Income documentation required
- Standardized Colorado benefits
- May have higher premiums without state subsidies
Short term health insurance isn’t for everyone — but for many healthy individuals in transition, it is a smart, affordable solution.
The Financial Risk of Waiting in Colorado
Medical bills are a leading cause of financial hardship for Colorado families.
Thousands
A skiing injury can cost thousands
$30,000+
A 3-day stay in a Colorado hospital can exceed $30,000
Six Figures
Emergency surgery in Denver can reach six figures
Going uninsured in Colorado, even briefly, exposes your family to massive financial risk. Short term health insurance provides a layer of protection that can prevent one event from damaging your future.
Don’t Risk Another Day Without Colorado Coverage
You have options in the Centennial State. You can stay uninsured and hope for the best, or you can protect your Colorado family today.
📞 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
Get answers to the most common questions about short term health insurance.
What is short term health insurance?
It is temporary medical coverage designed to protect residents during gaps in traditional insurance. It provides financial protection for unexpected medical events while in the area.
Does short term health insurance cover pre-existing conditions?
Most short term health insurance plans do not cover pre-existing conditions. They are designed to protect against new illnesses or injuries that occur after your coverage begins.
Where can I buy short term health insurance?
You can purchase it through licensed brokers like Health Insurance Now. We compare multiple carriers to find the right short term health insurance for your budget.
How long can I keep a plan?
The duration of short term plans is regulated by state law, which may differ from other states. Our agents will ensure your plan meets current duration requirements.
Can coverage start immediately?
Yes. Many short term health insurance plans can begin as soon as the next day after your application is approved.
Is short term health insurance cheaper than ACA plans?
For individuals who do not qualify for state subsidies, short term plans are often significantly more affordable than Connect for Health options.
Is short term insurance ACA-compliant?
No. Short term health insurance is not ACA-compliant and does not include all essential health benefits required under the Affordable Care Act.
Why use Health Insurance Now for my plan?
We compare over 25 carriers and help you evaluate options. Instead of being sold one product, you receive personalized guidance tailored to your life.