Temporary Coverage
When You Need It Most
Between jobs, waiting for benefits to kick in, or missed Open Enrollment? Short-term and Tri-Term health plans offer flexible, fast coverage to bridge the gap.
Fast, Flexible Coverage for Life’s Gaps
Short-term health insurance is designed for people who need temporary medical coverage. It’s not a substitute for comprehensive ACA coverage — but when you’re in a gap, it can protect you from a catastrophic medical bill.
Short-Term Plans (Up to 364 Days)
Coverage that can start as soon as the next day. Typically covers doctor visits, urgent care, emergency room, hospitalization, and surgery — depending on the plan.
Tri-Term Plans (Up to 3 Years)
A series of renewable short-term plans that can provide continuous coverage for up to 3 years in eligible states. Great for longer-term gaps or those waiting on a life change.
Off-Market Health Plans
Health plans not sold on the ACA Marketplace. These may offer more flexibility in coverage structure and enrollment timing for people who don’t qualify for subsidies.
Is Short-Term Coverage Right for You?
Short-term plans are a powerful tool — but they’re not for everyone. Here’s the honest picture:
✅ Short-Term Plans Are Great When…
- You’re between jobs
- You missed Open Enrollment
- You’re waiting for employer benefits
- You need coverage before Medicare starts
- You’re generally healthy
- You need something fast
- You want a lower premium
⚠️ Short-Term Plans May Not Be Ideal If…
- You have ongoing or pre-existing conditions
- You need prescription drug coverage
- You qualify for ACA subsidies (ACA may cost less)
- You need maternity coverage
- You’re in a state with strict duration limits
- You want guaranteed coverage for all services
⚠️ Important to Know
Short-term health plans are not ACA-compliant. They can deny coverage for pre-existing conditions, may not cover all essential health benefits, and duration limits vary by state. We’ll always tell you exactly what a plan covers and doesn’t cover before you enroll.
Short-Term Health FAQ
How fast can I get covered?
Many short-term plans can start as soon as the next business day after approval. Coverage can begin very quickly compared to ACA plans, which have standard effective dates.
Are short-term plans available in my state?
Duration limits and availability vary by state. Some states (like Oregon) restrict short-term plans to 3 months. Others allow up to 364 days with Tri-Term renewability. We’ll tell you exactly what’s available where you live.
What does a short-term plan typically cover?
Most plans cover doctor visits, emergency care, urgent care, hospitalization, and surgery. What’s NOT typically covered: pre-existing conditions, maternity, mental health, and preventive care. Coverage varies significantly by plan — always read the details.
Can I use short-term coverage and then switch to ACA?
Yes. If you have a qualifying life event (like losing a job), you may be eligible for a Special Enrollment Period for ACA coverage. We can help you plan a coverage strategy that keeps you protected through the transition.
Need Coverage Fast? Let’s Talk.
We’ll find out what’s available in your state and get you covered quickly — with no pressure and no jargon.