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The Best Short Term Health Insurance Provider Nationwide

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

  • Coverage available up to 36 months in many states
  • Enroll anytime — no open enrollment required
  • Coverage can begin as soon as tomorrow
  • Licensed agents available right now
  • Flexible month-to-month options

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 varies based on coverage level, deductible, maximum out-of-pocket, and benefit limits.

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

Flexible plan designs allow you to choose the right balance of protection and affordability.

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

Coverage levels can be adjusted to fit your household’s needs and budget.

Optional Add-Ons Available

Vision, dental, and life insurance coverage can often be added for additional protection.

Why Choose Health Insurance Now?

You could try to shop 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 nationwide navigate the complex world of healthcare coverage.

We Compare 25+ Carriers

We are not tied to one insurance company. We work for you — not the carrier.

We Find the Best Short Term Health Insurance Options

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

We Are Faster

Our streamlined enrollment process gets you covered quickly.

We Offer Real Human Support

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

We Stay With You After Enrollment

Questions? Billing concerns? Coverage clarification? We’re here.

When you call Health Insurance Now, you aren’t just buying a policy — you’re gaining an 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 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. 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 you secure meaningful protection at a price that works for you.

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 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, state, 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
  • 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 budget.

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 in transition, short term health insurance provides familiar protection emergency care, hospital services, doctor visits — without the higher cost structure 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 in your state and provide real pricing, not estimates.

  • No open enrollment delays.
  • No income verification process.
  • No complicated online forms.
  • Just clear answers and straightforward pricing.
In many cases, 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 open enrollment or qualify for a special life event.

These plans are ideal for:

Individuals between jobs

Freelancers

Recent graduates

Self-employed professionals

Early retirees under 65

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.
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 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? 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 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?  Call our hotline immediately to speak with a specialist.

How Fast Can You Get Covered?

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

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

Short-term health insurance benefits vary by plan and state, 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 major medical plans and do not cover every essential health benefit required under the Affordable Care Act. Coverage details vary by state and carrier.
Our licensed agents will walk you through every detail so there are no surprises.

Short Term Insurance vs. Marketplace Plans

Understanding the difference can help you choose wisely.

Short Term Health Insurance

  • Enroll anytime
  • Often lower premiums (for those not receiving subsidies)
  • Month-to-month flexibility
  • Faster approval
  • Broader deductible options
  • Available up to 36 months in many states

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 individuals and families in transition, it can be a smart, affordable solution.

The Financial Risk of Waiting

Medical bills are one of the leading causes of financial hardship in America.

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 Coverage

You have options.

You can stay uninsured and hope nothing happens.
Or you can protect yourself and your 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.
Get a Free Quote

Frequently Asked Questions

Get answers to the most common questions about private health insurance.

What is short term health insurance?

Short term health insurance is temporary medical coverage designed to protect you during gaps in traditional health insurance. It provides financial protection for unexpected medical events.

Most short term health insurance plans do not cover pre-existing conditions. These plans are designed to protect against new illnesses or injuries that occur after your coverage begins. Our licensed agents will review plan details with you before enrollment.
You can purchase short term health insurance through licensed brokers like Health Insurance Now. We compare over 25 carriers nationwide to help you find the right plan for your needs and budget.
Short term health insurance is offered by private insurance carriers outside of the ACA Marketplace. Availability varies by state, and we work with multiple carriers to compare your options.
In many states, 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.
Most short term plans do not cover pre-existing conditions. Our licensed agents can explain plan specifics and help you evaluate your options.

No. Short term health insurance is not ACA-compliant and does not include all essential health benefits required under the Affordable Care Act.

Availability varies by state, but Health Insurance Now works with carriers across the country to help you find options in your area.
Yes you can, at any time. There are no long term commitments
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!