Top 5 Providers Who Offer Short Term Health Insurance in 2025

Who Offers Short Term Health Insurance? Top Providers & What to Know in 2025

If you're between jobs, waiting for employer benefits, or missed open enrollment, you’ve likely wondered: who offers short term health insurance? Short term health insurance can provide temporary protection when you're in a coverage gap—and in 2025, more Americans are turning to these plans for flexibility and fast access.

This article reveals the top companies offering short term coverage, how to compare plans, and what you need to know to choose the right provider.

Understanding Short Term Health Insurance

What Is Short Term Health Insurance?

Short term health insurance is a type of temporary medical coverage that typically lasts from 30 days up to 12 months, depending on state regulations. Some policies may allow renewals up to 36 months total.

These plans are designed to provide coverage for unexpected illnesses or injuries while you're between traditional insurance plans.

Who Needs It and Why?

People commonly use short term plans when:

• Transitioning between jobs
• Waiting for ACA plan enrollment
• Recently graduated and not yet employed
• Retired early but not yet Medicare-eligible

Benefits of Short Term Health Insurance Plans

Flexibility and Fast Enrollment

One major perk of short term insurance is the quick application process. Many plans can start within 24 hours of approval, with no need to wait for open enrollment periods.

Lower Monthly Premiums

Short term health insurance plans usually cost less than traditional plans. This makes them an affordable option for healthy individuals who need basic protection for a limited time.

Limitations and Drawbacks to Consider

What Short Term Plans Don’t Cover

These plans typically do not cover:

• Pre-existing conditions
• Maternity care
• Mental health treatment
• Prescription drugs (in many cases)

Not ACA-Compliant

Short term health insurance is not required to follow Affordable Care Act (ACA) rules. That means they don’t guarantee:

• Essential health benefits
• Preventive care
• Guaranteed issue or community rating

Top National Providers Offering Short Term Health Insurance

UnitedHealthcare

One of the largest and most widely available options. Their short term plans offer:

• Multiple duration options
• Next-day coverage
• Wide provider network

Blue Cross Blue Shield (BCBS)

Though not all BCBS affiliates offer short term plans, some regional BCBS companies provide:

• Localized short term options
• Strong brand trust
• Access to extensive provider networks

Pivot Health

Pivot Health specializes in short term insurance. Features include:

• Telemedicine access
• Discounted vision and prescription options
• Highly customizable plans

National General (Aetna)

Backed by Aetna, National General offers:

• Comprehensive short term options
• Coverage durations from 30 days to 364 days
• Wellness discounts and benefits

IHC Group (Independence Holding Company)

IHC is a leader in short term medical insurance. Known for:

• Instant approvals
• Custom benefit levels
• Competitive pricing

How to Compare Short Term Health Insurance Plans

Premiums, Deductibles & Coverage

When comparing short term health plans, it’s crucial to evaluate more than just the monthly cost. Key elements include:

• Monthly Premium: The amount you pay each month for the plan.
• Deductible: The amount you pay out-of-pocket before the insurer begins to share costs.
• Coinsurance: The percentage you pay after the deductible is met.
• Maximum Out-of-Pocket: The most you'll pay in a policy term.

Also review what’s covered—such as hospitalization, outpatient care, emergency services, and whether prescription benefits or preventive care are included.

Network and Provider Access

Short term plans may use limited provider networks. Always check:

• If your preferred doctors and hospitals are in-network.
• Whether the plan includes nationwide coverage for emergencies.
• If referrals are needed to see specialists.

Choosing a plan with a reliable network can greatly affect both the quality of care and your out-of-pocket expenses.

State-by-State Availability

Where Short Term Plans Are Allowed

Not all states allow short term plans or they may impose duration limits. As of 2025, most states do allow them, but the length of coverage varies.

Examples:

• Texas, Florida, Arizona: Up to 364 days with renewals allowed.
• Ohio, Georgia: Up to 12 months, sometimes renewable.
• Montana, Michigan: Shorter coverage terms.

States with Restrictions or Bans

Some states have banned or tightly regulated short term plans due to concerns about coverage gaps. These include:

• California
• New York
• Massachusetts
• New Jersey

In these states, you may need to consider ACA plans or Medicaid as alternatives.

Application Process and Eligibility

Who Can Apply

Most short term health insurance plans are available to:

• U.S. citizens or legal residents
• Individuals aged 18–64
• People in good general health

You may be denied if you have:

• Pre-existing medical conditions
• Ongoing expensive treatments
• Certain chronic illnesses

How to Enroll Quickly

Applying is typically fast and easy:

1. Visit the provider’s website or an insurance marketplace.
2. Compare plans based on your needs.
3. Fill out a short application with health questions.
4. Choose your start date, sometimes as early as the next day.

Approval is often instant, and coverage can begin within 24 hours.

Cost of Short Term Health Insurance

Monthly Premium Ranges

Depending on your age, location, and coverage level, premiums range from:

• $60 to $250/month for individuals
• $150 to $400/month for families

Generally, these are lower than ACA plans, but that’s because coverage is more limited.

What Impacts the Cost?

Several factors affect pricing:

• Age and gender
• Zip code or state
• Length of coverage
• Chosen deductible and coinsurance level
• Health status

High-deductible plans with minimal coverage have the lowest premiums, but also the highest risk if something happens.

Alternatives to Short Term Health Insurance

ACA Marketplace Plans

If you qualify for a Special Enrollment Period (e.g., job loss, move, marriage), you can shop for a full ACA-compliant plan that:

• Covers pre-existing conditions
• Includes essential health benefits
• Offers subsidies based on income

Medicaid or COBRA

Other options include:

• Medicaid: Free or low-cost coverage for low-income individuals and families.
• COBRA: Allows you to keep your employer’s insurance plan for up to 18 months (often costly but comprehensive).

Short term plans are not substitutes for long-term, robust coverage—but they can fill a gap in a pinch.

FAQs About Short Term Health Insurance Providers

Is short term insurance available in my state?

Most likely, yes—but check your state’s rules. Some restrict the duration or don’t allow it at all.

Can I renew or extend a short term plan?

Some plans allow renewals up to 36 months total, but others don’t. Check with your provider.

Are pre-existing conditions covered?

Usually not. Short term plans are underwritten and often exclude pre-existing conditions entirely.

How fast can coverage start?

In many cases, coverage starts within 24 hours of approval.

Can I cancel anytime?

Yes. You can cancel short term coverage at any time without penalties.

Do I need a medical exam to apply?

No. You’ll answer a few health questions, but no physical exam is required.

Conclusion: Finding the Right Short Term Health Insurance Provider

If you're navigating a temporary coverage gap, knowing who offers short term health insurance is critical. Providers like UnitedHealthcare, Pivot Health, National General, and IHC Group offer flexible options with quick approval and customizable features.

While these plans don’t provide long-term or comprehensive coverage, they offer peace of mind when you’re in transition. Always compare features carefully—don’t just go for the cheapest premium—and ensure the plan fits your personal healthcare needs and state laws.