Bridge your gap.
Protect your savings.
Between jobs? Waiting for employer benefits to kick in? Don't risk medical bankruptcy. Get fast, flexible Short-Term Health Insurance to cover the gap.
- Coverage can begin as soon as the day after you apply.
- Flexible terms from 30 days up to 12 months.
- Cancel instantly without penalty when your permanent plan starts.
Catastrophic Protection
Designed for the unexpected. Covers emergency room visits, sudden illnesses, ambulance rides, and hospital stays so a sudden accident doesn't wipe out your savings.
Broad Network Access
Many short-term plans offer broad PPO networks or let you see any doctor you choose, giving you flexibility when you are away from home or traveling.
Find Your Bridge Plan
Compare affordable short-term rates in minutes. Coverage starts as soon as tomorrow.
Who Needs Short-Term Coverage?
Life transitions shouldn't leave you vulnerable. Temporary health insurance is the perfect financial safety net for those caught in coverage limbo.
Between Jobs
COBRA is notoriously expensive, often costing $600+ a month. Short-term policies offer a much cheaper catastrophic safety net while you job hunt.
Waiting Period
Landed a new job but have a 30 to 90-day probationary wait before benefits begin? Buy exactly the number of days you need to cover the gap.
Missed Enrollment
If you missed the ACA/Obamacare deadline and don't qualify for a special enrollment period, short-term plans are the only way to get covered now.
Recent Graduates
Turned 26 and dropped off your parents' plan? Or just graduated and looking for work? Secure cheap, healthy-adult coverage immediately.
Bridge Coverage Estimator
Calculate your estimated monthly premium. An affordable bridge policy protects you against $30,000+ emergency room bills while you wait for permanent coverage.
Your Coverage Needs
Rates increase slightly with age.
Higher deductibles drastically lower your monthly cost.
Your Safety Net Cost
Est. Monthly Premium
Cancel anytime
Total Term Cost
$435
For 3 months of coverage
The average 3-day hospital stay without insurance costs over $30,000. Securing 3 months of bridge coverage limits your maximum financial exposure and costs roughly the same as a utility bill.
*Educational tool. Premium estimates are illustrative averages for a healthy, non-smoking adult. Actual rates depend heavily on exact age, gender, state of residence, and specific health questionnaire answers. Short-term plans do not cover pre-existing conditions.
Know Your Temporary Options
When you lose coverage, you generally have three choices. Compare them to see why Short-Term Health is often the most financially logical bridge.
| Coverage Feature | Short-Term Health | COBRA (Employer) | ACA (Obamacare) |
|---|---|---|---|
| Monthly Premium Cost | Low ($100 - $250) | Very High ($600+) | Varies (Subsidies apply) |
| When can it start? | Next Day | Retroactive | 1st of next month (or later) |
| Covers Pre-Existing? | No (Excluded) | Yes | Yes |
| When can you enroll? | Anytime (Year-Round) | Within 60 Days of exit | Only during Open/Special Enrollment |
Understanding the Limitations
Short-term insurance is designed strictly for emergencies and sudden illness. It is not designed to replace comprehensive, permanent health care.
No Pre-Existing Conditions
If you have asthma, diabetes, or a prior injury, short-term plans will not cover treatments related to those specific conditions. They only cover new, unexpected issues.
Limited Preventive Care
Do not buy this plan for routine checkups, physicals, or standard immunizations. Most short-term plans omit preventive care to keep premiums low.
Perfect for the Healthy
If you are generally healthy and just need a safety net in case you break an arm, need your appendix removed, or get in a car accident while between jobs, this is the perfect product.
Bridge Coverage FAQs
Clear answers to help you navigate your coverage transition.
Are short-term health plans ACA-compliant?
No. Short-term medical insurance plans are not required to comply with the Affordable Care Act (Obamacare). This means they do not have to cover the 10 Essential Health Benefits (like maternity care or mental health), which is exactly how they keep the premiums so low.
Can I get declined for short-term coverage?
Yes. Because these plans are medically underwritten, you must answer a brief health questionnaire. If you are pregnant, have cancer, or suffer from severe heart disease, you will likely be declined. These plans are designed for generally healthy individuals.
What happens if I get a new job before my plan ends?
You can cancel your short-term policy at any time without penalty. If you buy a 6-month plan but your new employer's benefits kick in after 2 months, you simply cancel the short-term policy and stop paying the premiums.