Short-term health insurance is a temporary medical coverage option designed for people who need insurance for a limited time. These plans are commonly used by individuals who are between jobs, waiting for employer benefits to start, or missed the annual open enrollment period for regular health insurance.
Short-term health plans usually last up to 3–4 months in most states and are cheaper than traditional health insurance plans because they offer limited coverage and are not required to follow Affordable Care Act (ACA) rules.
This guide explains the best short-term health insurance providers in the USA, their average costs, benefits, and how to choose the right plan.
What Is Short-Term Health Insurance?
Short-term health insurance provides temporary medical coverage for emergencies, hospital visits, and unexpected health issues. These plans are designed to fill gaps between major health insurance policies.
However, short-term plans have some limitations:
- They may exclude pre-existing conditions
- They are not required to cover essential ACA benefits such as maternity care or mental health services
- Coverage limits may apply to certain treatments or overall medical costs
Because of these restrictions, short-term insurance is usually recommended only as temporary protection.
Average Cost of Short-Term Health Insurance
Short-term plans are much cheaper than traditional health insurance.
Industry data shows:
- Average monthly cost: about $151 per month
- Basic plans: around $100 per month
- Premium plans with more benefits: $200+ per month
Costs depend on several factors including:
- Age
- Health condition
- Smoking status
- State of residence
- Coverage limit and deductible
Best Short-Term Health Insurance Providers in the USA
Here are some of the most trusted companies offering short-term health insurance coverage.
1. UnitedHealthcare
UnitedHealthcare is considered one of the best providers of short-term health insurance in the United States.
Key Features
- Access to 1.8 million healthcare providers
- Network of 7,200+ hospitals nationwide
- Multiple deductible options
- Coverage limits up to $2 million
Average Cost
Around $132 – $231 per month depending on the plan.
Best For
People who want a large doctor network and reliable nationwide coverage.
2. Pivot Health
Pivot Health is a popular short-term insurance provider known for flexible plans and low premiums.
Key Features
- Affordable monthly premiums
- Telehealth services included
- Optional dental and vision coverage
- Flexible deductible options
Average Cost
About $91 – $137 per month depending on the policy.
Best For
Individuals looking for one of the cheapest short-term insurance options.
3. Everest Insurance
Everest provides short-term health plans designed for individuals who want basic emergency protection.
Key Features
- Flexible deductibles from $1,000 to $10,000
- Copay options for doctor visits
- Accident and hospitalization coverage
Average Cost
Around $108 per month on average.
Best For
People who want affordable catastrophic medical coverage.
4. National General Insurance
National General (part of Allstate) offers temporary health insurance plans in many states.
Key Features
- Broad coverage options
- Flexible payment plans
- Large hospital network
These plans are commonly used for short-term coverage when transitioning between jobs.
Best For
People needing short coverage during job changes.
5. Blue Cross Blue Shield
Blue Cross Blue Shield offers short-term insurance plans in some states through regional companies.
Key Features
- Large provider network
- Reliable claims processing
- Flexible coverage options
Best For
Individuals who prefer well-known insurance companies.
Who Should Consider Short-Term Health Insurance?
Short-term health insurance can be useful for several situations.
Between Jobs
If you recently left a job and are waiting for your next employer’s health benefits to begin.
Waiting for ACA Enrollment
If you missed the open enrollment period and need temporary coverage.
Recent Graduates
Students who lost coverage under a parent’s health plan.
Early Retirees
Individuals who retire before qualifying for Medicare.
States That Restrict Short-Term Insurance
Short-term health insurance rules vary by state. Some states have strict regulations or ban these plans entirely.
For example:
- California – Short-term plans not allowed
- New York – Not allowed
- Massachusetts – Not allowed
Other states allow short-term coverage for 3 to 12 months depending on local laws.
Pros and Cons of Short-Term Health Insurance
Advantages
Lower monthly premiums compared to traditional health insurance
Fast approval and enrollment
Flexible coverage periods
Protection against unexpected medical emergencies
Disadvantages
Does not cover pre-existing conditions
Limited coverage benefits
No ACA protections
Coverage caps may apply
Tips for Choosing the Best Short-Term Health Insurance
When selecting a short-term health insurance plan, consider the following tips:
Compare Multiple Providers
Always compare several insurers to find the best price and coverage.
Check Coverage Limits
Some plans limit how much they will pay for hospital stays or treatments.
Review Deductibles
Higher deductibles usually mean lower monthly premiums.
Understand Exclusions
Carefully read the policy to see what services are not covered.