Short-Term Medical Coverage
Budget-friendly coverage for life’s in-between moments.
What Is Short-Term Medical Insurance?
Short-term medical (STM) plans provide temporary health coverage when you’re between major plans — such as during a job change, waiting for group benefits to start, or outside the ACA Open Enrollment Period without a qualifying life event.
Coverage can last no longer than 4 months, making STM ideal for short gaps but not a long-term solution.
Key Features
Fast approval — often within 24 hours
Coverage length: up to 4 months maximum
Lower monthly premiums compared to ACA plans
Choice of deductible and coverage levels
Important Limitations
Not ACA-compliant — may not include all essential health benefits
Pre-existing conditions are generally excluded
May have annual or lifetime benefit limits
Preventive, maternity, and mental health coverage may be limited or excluded
No subsidies or financial assistance
Who This May Be Right For
People between jobs or in a waiting period for new benefits
Healthy individuals needing short-term coverage until the next ACA Open Enrollment
Students or recent graduates
Seasonal or part-time workers without group coverage
Our Role
We help you:
Compare STM plans to ACA and private options so you know exactly what’s covered
Find the most competitive pricing and best fit for your needs
Avoid limited-benefit “look-alike” plans that leave major gaps
Transition smoothly from short-term coverage to long-term coverage when ready
Disclaimer: Short-term medical plans are not ACA-compliant, do not qualify for subsidies, and are limited to a maximum of 4 months of coverage. Quotes are estimates and may change based on underwriting, state regulations, and final carrier approval.
The quote request form we use is the same as for ACA/Marketplace coverage for efficiency, but completing this form does not mean you will be enrolled in an ACA/Marketplace plan. Using the same form helps save time and reduces duplicate paperwork later.