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The Best Short Term Health Insurance Minnesota Provider

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 the Twin Cities, missed open enrollment, or waiting for employer benefits to begin.

With Health Insurance Now, you can compare over 25 top-rated carriers offering short term health insurance and get covered fast.

  • Coverage can begin as soon as tomorrow
  • Enroll anytime — no open enrollment required in MN
  • Flexible month-to-month options
  • Coverage available up to 36 months in many states
  • 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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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 for your policy.

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

Flexible plan designs allow couples to choose the right balance of medical protection and monthly affordability.

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

Family coverage levels can be adjusted to fit your household’s specific healthcare needs and 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 for Coverage?

You could try to shop for health plans 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 across the state 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 — not the carrier — to find the best short term health insurance rates.

We Find the Best Short Term Health Insurance Options

Our proprietary comparison process helps you evaluate multiple Minnesota-available plans side by side.

We Are Faster

Our streamlined enrollment process gets you covered quickly, often with same-day processing for residents.

We Offer Real Human Support

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

We Stay With You After Enrollment

Questions? Billing concerns? Coverage clarification? We’re here for our clients long after the policy starts.
When you call Health Insurance Now, you aren’t just buying a policy — you’re gaining a dedicated advocate.

Best Short Term Health Insurance Coverage

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

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 in Minnesota.

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 MNsure plans, short term health insurance gives you total 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 Minnesotans secure meaningful protection at a price that 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 age and 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 amount
  • Coinsurance levels
  • Copay options
  • Maximum out-of-pocket limits
  • Length of coverage
It’s important to understand that these 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 Minnesota.

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 ask a few quick questions about your needs. Within minutes, we can review multiple short term health insurance plans available and provide real pricing, not estimates.

  • No open enrollment delays in MN
  • 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 Minnesota?

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

Unlike Marketplace plans, short term health insurance plans are available year-round. You don’t have to wait for open enrollment or qualify for a special life event. These plans are ideal for:

These plans are ideal for:

  • Individuals between jobs in Minnesota
  • Self-employed professionals and freelancers
  • Early retirees under 65
  • Recent college graduates
  • Those who missed the MNsure 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 Minnesota?

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 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 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 in Minnesota? Short term coverage can help bridge the gap until Medicare eligibility.

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

How Much Does Short Term Health Insurance Minnesota 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, you can select deductibles, coinsurance, and benefit levels that fit your budget. You only pay for the time you need coverage.

In many states, 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 Minnesota?

Short term health insurance is built for speed.
  • No open enrollment restrictions
  • Quick approval process for MN residents
  • Coverage can begin in as little as 24 hours
  • No income verification required
Accidents don’t wait. Illness doesn’t schedule itself. Why risk going uninsured for even a week? Call Health Insurance Now today and secure protection immediately.

Short Term Health Insurance Benefits

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

Doctor visits and specialist consultations

Emergency room coverage

Hospital stays and surgical procedures

Diagnostic testing and X-rays

PPO network access

Flexible coverage periods

Short term health insurance plans are designed to provide meaningful financial protection during unexpected events. Our licensed agents will walk you through every detail so there are no surprises.

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.

Short Term Insurance vs. Marketplace Plans in Minnesota

Understanding the difference can help you choose the right coverage.

Short Term Health Insurance Minnesota

  • Enroll anytime year-round
  • Often lower premiums (for those not receiving subsidies)
  • Month-to-month flexibility
  • Faster approval and activation
  • Available up to 36 months in many areas

Marketplace Plans (MNsure)

  • Limited open enrollment periods
  • Income documentation required for subsidies
  • Standardized benefits and ACA compliance
  • 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 Minnesota

Medical bills are one of the leading causes of financial hardship. Going uninsured in Minnesota, even briefly, exposes your family to massive financial risk.

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 a layer of protection that can prevent one unexpected event from turning into long-term financial damage.

Don’t Risk Another Day Without 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 Minnesota.

Call Now — Speak With a Licensed Short Term Health Insurance Specialist

Get a free quote in minutes. Coverage can start as soon as tomorrow.
Get a Free Quote

Frequently Asked Questions (FAQ)

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

What is short term health insurance Minnesota?
It is temporary medical coverage designed to protect residents during gaps in traditional health insurance.
Most short term health insurance Minnesota plans do not cover pre-existing conditions. These plans are designed for new illnesses or injuries.
You can purchase it through licensed brokers like Health Insurance Now. We compare over 25 carriers to find the right Minnesota plan for you.
In many states, including options for Minnesota residents, coverage can last up to 36 months depending on the carrier.
For individuals in Minnesota who do not qualify for subsidies, short term plans are often significantly more affordable.
Yes you can, at any time. There are no long-term commitments with short term health insurance Minnesota.

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