Sudden illnesses and accidents can lead to large medical bills. A short term health plan provides instant protection at a low price. Consider short term coverage if you are:

• Between Jobs
• Waiting for employer-provided group insurance to take effect
• Waiting for approval for comprehensive health care coverage
• A recent graduate not covered under your parent's plan

Plan Highlights

Short term health insurance is designed to provide comprehensive insurance coverage for a temporary period of time. Typically, short term health insurance provides coverage between one month and a year. Some health insurance companies offer short-term coverage for longer periods.  A short-term plan can keep you covered until you find a job that comes with benefits.  When you lose the health benefits provided by your old job, you could extend your coverage with COBRA… but it's expensive. Temporary plans are a much more affordable option.

Health insurance companies set rates based on risk. So if you're at risk of needing expensive care, your monthly premiums will be higher. But with temporary coverage, it's unlikely that a policyholder will get sick during the short lifespan of the plan. Because of this low risk, short term health insurance has very low rates. That includes lower premiums, lower copayments and coinsurance, and more flexible deductibles.

Short-term insurance is perfect whenever you might be in-between permanent plans.

• Terms - Choose from 30-, 60-, and 90-day periods
• Premiums - Starting as low as $32.00 per month
• Coverage - Most plans include doctor visits, emergency room care, prescription drugs and medical supplies, ambulance services, hospital stays, lab and X-ray services. Actual benefits vary according to the specific plan
• Deductible - From $300 - $5,000, select an option that best suits your needs
• Choice - You may be able to keep your current doctor (depending on the plan you select). In-network providers will give you the best benefits.
• Online: 24/7 clinics available