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Questions? We’re available 24/7

2015 Open Enrollment for Obamacare has ended.
But you can enroll in a Short-Term Health Plan right now.


Immediately view rates and plans in your area by completing your profile information below.

checkPlans starting as low as $25 /mo.


Coverage starts almost immediately


Cheaper than Obamacare


Start & Stop Coverage Anytime

What is short-term health insurance?

Since Open Enrollment for traditional health plans has ended, short-term health insurance is a great option for most Americans. These are temporary health insurance plans for up to 12 months of coverage which are designed for people who need coverage immediately or can’t afford the rates of Obamacare coverage. Generally rates are far cheaper than Obamacare and you have the flexibility to start and stop your coverage whenever you’d like, however you may not be able to get coverage if you have a pre-existing condition and you can’t renew beyond 12 months.

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Frequently Asked Questions

What does short-term health insurance cover?

Short-term health insurance, unlike most long-term health insurance plans, does not provide comprehensive coverage for medical services like physical exams, and dental and vision care. Rather, these plans provide more limited benefits designed to protect you and your family against unforeseen illnesses or accidents. Here’s a comparison to major medical health plans, “Obamacare.”

What happens if I still need insurance after my short-term policy expires?

When it’s time for your coverage to expire, you can typically re-apply for another short-term plan. However, it’s important to check with your carrier to review the coverage on the next plan; a new plan does not automatically resume continuation of your first plan. Also, a company may only allow you to re-apply once so coverage does not exceed 12 months.

Can I get short-term insurance if I have a pre-existing medical condition?

Maybe. The Affordable Care Act, “Obamacare,” no longer allows insurers to ask for your medical history and thus increase your rates. However short-term health insurance plans still allow for a medical history review and you may not be able to get coverage as a result. Although the definition of a pre-existing condition varies from state to state, it usually refers to any conditions that have been diagnosed or treated within the previous 3 to 5 years. Call us anytime, 24/7, if you have any questions – 800-410-6762.

How quickly can I start receiving coverage once I'm approved?

Almost immediately. Many application are approved and get proof of insurance quickly, sometimes on the spot.

Why don't I just sign up for Obamacare instead?

Americans can only enroll in major medical health insurance, “Obamacare,” during Open Enrollment. This is typically from November – February, but changes slightly each year. Outside of that timeframe, you can only enroll in short-term health insurance or if you have a special “life event” such as you had a baby or got married. Learn more here.

How do I apply for short-term plans?

Complete the short form above to view rates and enroll online.