GetFastRates.com
Short-Term Health Insurance Quote
Short-term plans can fill a temporary coverage gap, but they work differently from ACA plans -- including medical underwriting and pre-existing condition exclusions worth understanding first.
Is this right for you?
- You need coverage for a short, defined gap (for example, between jobs)
- You're reasonably healthy and can pass medical underwriting
- You understand this isn't a long-term substitute for ACA coverage
Your options
Temporary coverage, medically underwritten, typically doesn't cover pre-existing conditions.
Worth comparing first -- if you qualify for a Special Enrollment Period, it may cover more for a similar or lower cost.
Continuing your prior employer plan at full cost, if you're coming from job-based coverage.
Common questions
Does short-term insurance cover pre-existing conditions?
Generally no -- this is one of the biggest differences from ACA coverage, and worth confirming for your specific situation before enrolling.
How long can I keep a short-term plan?
Duration limits vary by state -- an agent can confirm what applies where you live.
Should I get short-term insurance instead of an ACA plan?
It depends on your health situation and whether you qualify for ACA enrollment right now -- worth comparing both before deciding.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.