Flexible Short-Term Medical Insurance Across the Southeast & Midwest

Need health insurance but not ready to commit to a long-term plan? Short-term medical coverage is a smart option for people going through life transitions. We help individuals and families across Alabama, Florida, Georgia, Illinois, Missouri, Nevada, North Carolina, South Carolina, Tennessee & Virginia find short-term plans that fit their needs and budget.

A doctor is talking to a patient in a waiting room.

What Is Short-Term Health Insurance?

Short-term health insurance offers temporary coverage for unexpected medical needs. These policies typically last from 30 days up to 12 months (or longer in some states) and can help cover:

  • Doctor visits
  • Emergency room care
  • Hospital stays
  • Surgery
  • Diagnostic testing

They’re not meant for chronic conditions or long-term care, but they’re helpful when you're between plans.

Who Should Consider a Short-Term Plan?

Short-term health coverage is ideal for:

  • People between jobs or waiting for employer coverage to start
  • Recent college graduates
  • Early retirees not yet eligible for Medicare
  • New residents waiting for ACA enrollment
  • Missed open enrollment and need a stopgap plan
  • Freelancers or contractors without employer benefits

We’ve helped clients in Raleigh, Jacksonville, St. Louis, Charleston, and Las Vegas find temporary coverage that works for their situation.

A dentist is talking to a patient in a dental chair while looking at a tablet.
A woman is talking to a dentist in a dental office.

Key Features of Short-Term Medical Insurance

  • Quick enrollment – Coverage can begin as soon as the next day
  • Flexible terms – Choose coverage length that works for you
  • Lower monthly cost than ACA plans (but with limitations)
  • Pick your deductible & coinsurance levels
  • Some include prescription discounts or telemedicine

We'll help you understand what’s included—and what’s not—before you sign up.

Important Limitations to Know

Short-term plans:

  • Don’t cover pre-existing conditions
  • May exclude maternity, mental health & prescription coverage
  • Typically don’t include preventive care
  • Are not considered ACA-compliant
  • May require medical underwriting

We’ll explain these clearly and help you compare short-term plans to other options like ACA Marketplace coverage or health sharing programs.

A black and white image of a row of buttons on a white background.

Compare Short-Term Options in Your State

Short-term plan rules and availability vary by state. We’ll help you compare plans available where you live—from major providers like Pivot Health, National General, UnitedHealthcare, and others.

Need Temporary Coverage? We’ve Got You Covered.

If you’re in a transition, don’t leave yourself without health protection. Short-term plans can help you stay covered until you’re ready for a more permanent solution.

FAQ – Short-Term Medical Insurance

  • How long can I keep a short-term plan?

    Yes. While your landlord’s policy likely covers the building itself, it won’t protect your belongings or liability. Renters insurance ensures you’re covered if your stuff is damaged, stolen, or if someone gets hurt in your unit.

  • Is it cheaper than regular health insurance?

    That depends on the value of your home, your belongings, and your level of risk. We’ll help you calculate replacement costs and liability needs to ensure you’re fully protected without overpaying.

  • Can I cancel anytime?

    You might qualify for a Special Enrollment Period. If not, we can help with short-term medical or health sharing options.

  • Does it include prescription coverage?

    Some plans include discounts, but most don’t offer full prescription benefits. We'll help you check.

  • What happens if I get sick after my plan ends?

    Once the term ends, your coverage ends. That’s why it’s important to plan your next steps—we’ll help you avoid gaps.