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The Best Short Term Health Insurance Provider in Florida

When life changes, your medical coverage should not disappear.

Short-term plans offer inexpensive, flexible protection when you need it most—whether you are between jobs in Miami, missed open enrollment in Orlando, or are waiting for employer benefits to begin in Tampa.

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

  • Coverage can begin as soon as tomorrow.
  • Enroll anytime—no open enrollment required.
  • Month-to-month options available.
  • Coverage available up to 36 months based on current state regulations.
  • Local 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.

Why Choose Our Experts for Florida Coverage?

You could try to shop for plans on your own, or you could let specialists do the work for you. For over 25 years, we have helped individuals and families navigate the complex world of temporary healthcare.
With Health Insurance Now, you can compare 25+ top-rated carriers nationwide and get covered fast.

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

Our flexible plan designs let you choose the right balance of medical protection and monthly affordability.

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

Our flexible plan designs allow you to select the perfect balance of medical protection and monthly affordability.

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

Household coverage levels can be customized to fit your family’s specific medical needs and your monthly budget.

Optional Add-Ons for Residents

Vision, dental, and life insurance coverage can often be bundled with your plan for more complete protection.

Why Choose Health Insurance Now for Coverage?

You could try to navigate the insurance market on your own, or you could let our experts do the heavy lifting. For over 25 years, Health Insurance Now has helped individuals and families navigate the complex world of healthcare.
Here is why clients trust us:

We compare 25+ carriers

We are not tied to a single insurance company. We work for you—not the carrier—to help you find the best rates.

We help you find the best fit

Our proprietary comparison process helps you evaluate multiple plans side by side for better clarity.

We move quickly

Our streamlined enrollment process is designed to get applicants covered fast, without the usual paperwork delays.

We offer real human support

No bots. No confusing online portals. Just licensed specialists ready to guide you through your insurance selection.

We stay with our clients after enrollment

Questions about a provider? Billing concerns? We are here for you long after your policy begins.

When you call Health Insurance Now, you aren’t just buying a policy — you’re gaining an advocate.

Selecting the Best Short Term Health Insurance

The best plan is not the most expensive one—it is the one that matches your life stage and coverage needs.

When you call our hotline, a licensed specialist will ask a few simple questions to understand your health needs, your budget, and your transition timeline. From there, we compare multiple short term health insurance plans to help you choose an option that works, without paying for extra benefits you will not use.

Unlike standardized Marketplace plans (“Obamacare”), short-term options offer flexibility. You are not locked into a one-size-fits-all structure. Instead, you can choose the deductibles and timeframes that make sense for your life right now.

Our goal is simple: help you secure meaningful protection at a price that actually works.

Call now and let us help you find the coverage you need—and nothing you do not.

Benefits Explained

The primary reason many people seek out short term health insurance is simple: affordability.
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 the plan design you choose.
How is that possible?

These plans are structured differently than ACA plans. They are medically underwritten and built for temporary transitions. Because of that focused structure, premiums are often more budget-friendly for healthy individuals and families.

Lower cost does not mean less control.
With most plans, you can still choose:
  • Your deductible
  • Coinsurance levels
  • Copay options (where available)
  • Maximum out-of-pocket limits
  • Your specific length of coverage

This level of customization allows you to build coverage that fits both your healthcare needs and your financial reality. It is important to note that these plans are not ACA-compliant and generally do not cover pre-existing conditions. However, they are designed to help protect you against new, unexpected health emergencies.

Affordable Quotes for Florida Residents

Getting an inexpensive quote should not be a hassle.

When you call our hotline, a specialist will review the plans currently available in your ZIP code. Within minutes, you will have real pricing and concrete options.

  • No open enrollment delays
  • No complex income verification
  • No tedious online forms
  • Just clear answers and straightforward pricing
In many cases, your coverage can begin as soon as the very next day.

What Is Short Term Health Insurance?

Short term health insurance is temporary medical coverage designed to bridge the gap between traditional insurance policies.
Unlike the ACA Marketplace, these plans are available for enrollment year-round. You do not need a qualifying life event to get covered today. These plans can be a practical option for:
  • Individuals between jobs
  • Freelancers in the gig economy
  • Recent college graduates
  • Self-employed professionals
  • Early retirees in FL under age 65
  • People who missed open enrollment
This type of coverage provides a practical financial bridge while you transition into your next long-term health plan.
If you need coverage now, you cannot afford to wait.
Call now and speak with a licensed specialist today.

Who This Coverage Helps

Life in the South doesn’t always move on a predictable timeline. When coverage gaps happen, temporary insurance can step in quickly.

Between Jobs

Lost employer coverage? Stay protected until your next benefits package begins.

Missed Deadlines

If you missed the ACA enrollment window, these plans may be your only immediate option.

Waiting Periods

Many employer plans have a waiting period. Do not stay uninsured during that time.

Gig Workers

If you are self-employed, this can be a budget-friendly alternative to high-priced Marketplace options.

Early Retirees

If you have retired before age 65, this coverage can bridge the gap until you are Medicare-eligible.
Whatever your situation, Health Insurance Now can help you find a plan that fits your needs.

How Much Does It Cost?

One of the biggest advantages is the price. Because these plans are highly customizable, you only pay for the protection you need.

You can adjust your benefits to help keep the premium within your monthly budget. The fastest way to know your exact price is simple.

How Fast Can You Get Covered in Florida?

  • No enrollment restrictions
  • Coverage can start in 24 hours
  • Rapid approval process
  • No income verification
Accidents do not wait for a start date. One trip to an ER can cost a fortune. Secure your protection today.

Florida Short-Term Health Insurance Benefits

While benefits vary by carrier, most policies include:

Doctor visits

Hospital stays

Access to PPO networks

Budget-friendly premiums

Emergency room coverage

Surgical procedures and diagnostic testing

Flexible coverage periods

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 benefit.
Our agents will explain the details so you are fully informed and there are no surprises.

Florida Short Term Insurance vs. Marketplace Plans

Understanding your options helps you make a smarter financial choice.

Short-Term Coverage

  • Enroll any day of the year in FL
  • Lower premiums for residents without subsidies
  • Month-to-month flexibility
  • Near-instant approval

Marketplace Plans

  • Strict enrollment periods
  • Heavy documentation requirements
  • Standardized benefit sets
  • Often more expensive without a subsidy
This type of coverage is not for everyone. But for many healthy individuals and families in the state, it can be a smart, affordable solution.

The Financial Risk of Waiting in Florida

Medical bills are a leading cause of financial stress.

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
Short term health insurance provides the safety net needed to help prevent a single accident from damaging your financial future.

Do Not Risk Another Day in Florida Without Coverage

You have choices. You can stay uninsured and hope for the best, or you can protect yourself and your family right now.
📞 Call Now — Speak With a Licensed Specialist
Get a 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 coverage designed to protect residents during gaps in traditional insurance.
Most plans do not cover pre-existing conditions; they are meant for new illnesses or injuries.

You can purchase it through licensed brokers like Health Insurance Now. We compare 25+ carriers for you.

Private carriers outside the Marketplace. We work with top-rated companies currently operating.
Duration varies by regulations and carrier options; our agents can provide the latest timeframe limits.
Yes. Most plans can begin the very next day after your application is approved.
For residents who do not qualify for government subsidies, these plans are usually much more affordable.
No. It does not provide the essential health benefits mandated by the ACA, which is why the premiums are lower.
Yes. There are no long-term contracts.
We compare the market for you and provide personalized guidance rather than simply selling a single product.

Looking for Immediate Help?

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