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The Best Short Term Health Insurance in Indiana

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 Indianapolis, missed open enrollment, or waiting for employer benefits to begin in Fort Wayne.

With Health Insurance Now, you can compare over 25 top-rated carriers across the Hoosier State and get covered fast.

  • Coverage can begin as soon as tomorrow
  • Enroll anytime — no open enrollment required
  • Flexible month-to-month options
  • Coverage available up to 36 months for residents
  • Licensed 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 varies based on coverage level, deductible, maximum out-of-pocket, and benefit limits chosen.

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 life transitions.

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

Indiana family coverage levels can be adjusted to fit your household’s specific needs and your 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 coverage 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 navigate the complex world of healthcare coverage.
Here’s why Golden State clients trust us:

We Compare 25+ Carriers

We are not tied to one insurance company. We work for you — searching for the best short term health insurance across multiple carriers.

We Find the Best Short Term Health Insurance Options

Our proprietary comparison process helps residents evaluate multiple plans side by side to ensure the best value.

We Are Faster for Families

Our streamlined enrollment process gets individuals and families covered quickly without the usual paperwork.

We Offer Real Human Support for MI Residents

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

We Stay With You After Enrollment

Questions about your policy? Billing concerns? Coverage clarification? Our team remains your advocate long after you sign up.
When you call Health Insurance Now, you aren’t just buying a policy — you’re gaining a dedicated partner.

Best short term health insurance

The best short term health insurance isn’t about buying the biggest policy — it’s about getting the right protection for your specific Hoosier lifestyle.

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 Marketplace plans (“Obamacare”), short term health insurance gives you 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 residents 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

One of the biggest reasons people choose short term health insurance 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 your age and zip code.
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 of your health.
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
  • Maximum out-of-pocket limits
  • Length of coverage

This flexibility allows you to build coverage that fits both your healthcare needs and your financial situation.

It’s important to understand that short term 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 the plan.

For many people, short term health insurance provides familiar protection for emergency care, hospital services, and doctor visits — without the higher cost of long-term government-regulated plans.

Affordable short term health insurance quotes in 5 minutes over the phone

Getting an inexpensive short term health insurance quote shouldn’t take hours. When you call our hotline, a licensed specialist will ask a few quick questions about your needs and budget. Within minutes, we can review multiple short term health insurance plans available and provide real pricing, not estimates.

  • No open enrollment delays.
  • No complicated online forms.
  • No income verification process.
  • 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?

Short term health insurance is temporary medical coverage designed to protect you during gaps in traditional health insurance.

Unlike ACA Marketplace plans, short term health insurance plans are available year-round. You don’t have to wait for an enrollment window or qualify for a special life event to get protected.

These plans are ideal for:

  • Individuals between jobs
  • Self-employed professionals in MI
  • Freelancers and gig workers
  • Early retirees under 65
  • Recent college graduates
  • Those who missed open enrollment

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.

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? 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 enrollment period, short term 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 during that time.

Self-Employed or Freelance

If you don’t qualify for subsidies, Marketplace premiums can be expensive. Inexpensive short term health insurance can offer a more budget-friendly alternative.

Early Retirees

Retired before 65? Short term coverage can help bridge the gap until Medicare eligibility.

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 in Indiana Cost?

One of the biggest advantages of short term health insurance is affordability. Many short term health insurance plans cost significantly less than unsubsidized Marketplace plans. Because these plans are customizable for residents, you can select deductibles, coinsurance, and benefit levels that fit your budget.

You only pay for the time you need coverage. In our state, coverage can last up to 36 months — giving you extended 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 in Indiana?

Short term health insurance is built for speed.

  • No open enrollment restrictions
  • Quick approval process
  • Coverage can begin in as little as 24 hours
  • No income verification required for residents
Accidents don’t wait. Illness doesn’t schedule itself. One emergency room visit can cost thousands of dollars. Why risk going uninsured for even a week? Call Health Insurance Now today and secure protection immediately.

Short-Term Health Insurance Benefits in Indiana

Short term health insurance benefits vary by plan, but many policies typically include:

Doctor visits

Hospital stays

Diagnostic testing

Flexible coverage periods

Emergency room coverage

Surgical procedures

PPO network access (in many states)

Budget-friendly 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 health benefit. Our licensed agents will walk you through every detail so there are no surprises.
Our licensed agents will walk you through every detail so there are no surprises.

Indiana Short Term Insurance vs. Marketplace Plans

Understanding the difference can help residents choose wisely.

Short Term Health Insurance

  • Enroll anytime
  • Often lower premiums
  • Month-to-month flexibility
  • Faster approval
  • Broader deductible options
  • Available up to 36 months in many areas

Marketplace Plans

  • Limited open enrollment periods
  • Income documentation required
  • Standardized benefits
  • May have higher premiums without 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 Indiana

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, even briefly, exposes your family to massive financial risk. Short term health insurance provides a layer of protection that can prevent one unexpected event from turning into long-term financial damage. The risk of waiting is simply too high.

Don’t Risk Another Day Without Indiana 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 coverage designed to protect residents during gaps in traditional insurance. It provides financial protection for unexpected medical events.
Most short term health insurance plans do not cover pre-existing conditions. These are designed for new illnesses or injuries that occur after your coverage begins.
You can purchase it through licensed brokers like Health Insurance Now. We compare over 25 carriers to help you find the right plan for your budget.
It is offered by private insurance carriers outside of the ACA Marketplace. Availability varies, and we work with multiple carriers to compare your options.
Coverage can last up to 36 months, depending on the carrier and state regulations.
Yes. Many short term health insurance plans can begin as soon as the next day after approval.
For individuals who do not qualify for subsidies, short term plans are often significantly more affordable than Marketplace options.
No. Short term health insurance is not ACA-compliant and does not include all essential health benefits required under the Act.
Yes, Health Insurance Now works with carriers across the Hoosier State to help you find options in your specific city.
Yes you can, at any time. There are no long term commitments for residents.
We compare over 25 carriers and help you evaluate multiple options. Instead of being sold one product, you receive personalized guidance tailored to your situation.

Looking for Immediate Help?

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