Temporary coverage. Real protection.

Short-term health insurance is temporary, lower-cost coverage that bridges a gap — between jobs, after aging off a parent's plan, or while you wait for a new plan to start. It's designed for protection against unexpected illness or injury during a transition. It's a stopgap, not a permanent replacement for major medical.

Short-term plans are cheaper and start fast, but they typically don't cover pre-existing conditions and may exclude benefits like maternity or preventive care that ACA plans must include. They're best when you need affordable coverage for a defined, short period. We'll be upfront about the tradeoffs so you choose with your eyes open.

Often within a day or two of applying — that speed is one of the main reasons people choose short-term coverage during a gap. We can quote and help you enroll the same day. You get protected while you sort out longer-term coverage.

Duration limits vary by state, ranging from a few months to longer with possible renewals. Because it's meant to be temporary, we'll also keep an eye on your next Open Enrollment or qualifying event so you can move to permanent coverage on time. We'll map out the timeline with you.

Generally no — that's the key limitation. If you have ongoing conditions or need comprehensive benefits, an ACA individual or family plan is usually the better fit, and you may qualify for a subsidy. We'll compare both so you pick the right tool for your situation.