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The Best Short Term Health Insurance Florida Provider

When life changes, your medical coverage shouldn’t disappear.

Short-term plans offer inexpensive, flexible protection when you need it most—whether you’re 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 over 25 top-rated carriers across the Sunshine State 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.
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Why Choose Our Experts for Florida Coverage?

You could try to shop for plans on your own, or you could let the specialists do the work for you. For over 25 years, we’ve helped individuals and families navigate the complex world of temporary healthcare.

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 varies based on your preferred coverage level, chosen deductible, maximum out-of-pocket costs, and specific benefit limits.

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 $370–$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 short-term plan for comprehensive protection.

Why Choose Health Insurance Now for Florida Coverage?

You could try to navigate the insurance market on your own. Or you could let our experts do the heavy lifting for you. For over 25 years, Health Insurance Now has helped individuals and families navigate the complex world of healthcare.

Here’s 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 find the best rates in the Texas market.

We Find the Best Short Term Health Insurance

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

We Are Faster for Applicants

Our streamlined enrollment process is designed to get Texas residents covered quickly without the usual paperwork delays.

We Offer Real Human Support for the Sunshine State

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

We Stay With Our Clients After Enrollment

Questions about a provider? Billing concerns? We’re here for you long after your policy begins. When you call Health Insurance Now, you’re gaining a dedicated health advocate.

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 short term health insurance isn’t about purchasing the most expensive policy—it’s about securing the right protection for your specific life stage.

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 select a fit that works—without paying for extra benefits you won’t use.

Unlike standardized Marketplace plans (“Obamacare”), short term options offer incredible flexibility. You’re not locked into a one-size-fits-all structure. Instead, you choose the deductibles and timeframes that make sense for your lifestyle 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 don’t.

Short Term Health Insurance Benefits Explained

The primary reason residents seek out short term health insurance is simple: it’s affordable.

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?

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

But affordability doesn’t mean you lose control.
But lower cost doesn’t mean less control. With most Short Term Health Insurance, you 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 a plan 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 expertly designed to protect you against new, unexpected health emergencies.

Affordable Quotes for Florida Residents

Getting an inexpensive short term health insurance quote shouldn’t be a hassle.

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

  • No open enrollment delays.
  • No complex income verification.
  • No tedious online forms.
  • Just clear answers and straightforward pricing.
Just clear answers for residents. 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 don’t need a “qualifying life event” to get covered today. These plans are the ideal solution for:
  • Individuals between jobs
  • Self-employed professionals
  • Freelancers in the gig economy
  • Early retirees in FL under age 65
  • Recent college graduates
  • Those who missed the open enrollment

Short term coverage provides a practical financial bridge while you transition into your next long-term health plan.

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 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 local employer plans have a waiting period. Don’t stay uninsured during that time.

Gig Workers

If you are self-employed, these plans offer a budget-friendly alternative to high-priced Marketplace options.

Early Retirees

If you’ve retired before age 65, short term coverage can bridge the gap until you are Medicare-eligible.

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?

One of the biggest perks of Short Term Health Insurance is the price tag. Because these plans are highly customizable for residents, you only pay for the specific protection you need.

In, you can adjust your benefits to ensure the premium fits your monthly budget. The fastest way to see your rate?

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

How Fast Can You Get Covered in Florida?

Short term health insurance is built for maximum speed.

  • No enrollment restrictions
  • Coverage can start in 24 hours
  • Rapid approval process
  • No income verification
Accidents don’t 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 the specific carrier, most policies include:

Doctor visits across

Hospital stays in facilities

Diagnostic testing

Flexible coverage periods

Emergency room coverage

Surgical procedures and diagnostic testing

Access to PPO networks

Budget-friendly Texas premiums

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 every essential benefit. Our agents will explain the details so you are fully informed.

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

Florida Short Term Insurance vs. Marketplace Plans

Understanding your options helps you make a smarter financial choice.

Short Term Health Insurance

  • 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

Short term health insurance isn’t for everyone—but for many healthy individuals and families in the state, it is a smart, affordable solution.

The Financial Risk of Waiting in Florida

Medical bills are a leading cause of local 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 prevent a single accident from ruining your financial future.

Don’t Risk Another Day in Florida Without Coverage

You have choices. You can stay uninsured and hope for the best, or you can protect your family right now.

📞 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) for Florida

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.
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 the 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 don’t qualify for government subsidies, short term 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 for short term health insurance.
We compare the entire market for you, providing personalized guidance rather than just selling a single product.

Looking for Immediate Help?

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