Short Term Health Plans are temporary insurance solutions designed to provide limited coverage for individuals between jobs, waiting for group insurance to start, or experiencing a lapse in coverage. These plans typically last from 30 days to 12 months, with some states allowing longer terms. Although not ACA-compliant, short term plans cover basic medical needs like emergency visits and hospitalization at a lower monthly cost.
Seamless Health Coverage
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We help individuals review their situation—such as being between jobs or awaiting group coverage—and identify suitable short-term plan options.
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Once a plan is selected, enrollment is quick, often with immediate or next-day coverage. No long waits or open enrollment windows required.
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The individual receives temporary health protection for 30 days to 12+ months. When ready, we help transition to a more permanent coverage solution if needed.
Our Services
For individuals in transition—such as between jobs, recent graduates, or those waiting for employer coverage to begin—we offer affordable and flexible short term health plans. These policies provide immediate, limited-duration coverage that protects against unexpected medical expenses. With quick approvals and customizable lengths (from 30 days up to a year or more), short term plans are a practical solution for temporary insurance gaps. While not ACA-compliant, they offer essential coverage at a lower cost.
Life transitions can leave people vulnerable without coverage. That’s where we come in. Our short term health insurance plans provide immediate, flexible coverage to fill gaps caused by job changes, waiting periods, or temporary needs. We offer fast approvals, low-cost options, and expert guidance—ensuring clients are protected without overpaying. Whether you need a few weeks or several months of coverage, we help you stay insured and supported at every step.
Why Choose Us
We help individuals assess whether short term coverage is a fit based on their current situation (e.g., between jobs or waiting for other insurance).
We offer fast quotes and side-by-side comparisons of available short term options—often with immediate coverage available.
Complete enrollment in minutes with no long waiting periods. Many plans begin next-day.
We assist with moving to long-term insurance when the short-term policy ends, so you’re never without protection.
FAQs
It’s temporary coverage designed to protect individuals during gaps between long-term plans (e.g., between jobs).
Ideal for those between jobs, recent graduates, or waiting for employer benefits or ACA coverage to start.
Coverage can often start as soon as the next day after application approval.
You can switch, but you’ll need to apply during the next open enrollment period or qualify for a special enrollment period. Short-term plans do not count as major medical coverage, so gaps may affect eligibility for subsidies.
Some plans allow extensions, but the total duration is usually limited by state regulations. You should check with your provider to understand how long you can stay covered.
Coverage for prescription drugs varies by plan. Some offer basic prescription benefits, while others may not cover medications at all. Always verify the prescription policy before enrolling.
Short-term health plans usually have a fixed term and cannot be renewed indefinitely. You may be able to apply for a new plan once your current coverage ends.
In most cases, no. Short-term plans generally do not cover pre-existing conditions.
It depends on the state and provider—plans typically last from 30 days up to 12 months, with possible extensions.
Yes. You can cancel at any time without penalties if your situation changes or you gain long-term coverage.
Most short-term plans cover emergency care, but coverage may be limited compared to standard health insurance. Costs can be higher, so it’s wise to check the deductible and copay details.
Short-term plans typically do not cover maternity or newborn care. If you are planning a pregnancy, a standard health insurance plan may be a better option.
New York law prohibits traditional short term medical plans, so residents must consider ACA compliant policies, employer coverage, or limited benefit options when temporary insurance is needed during job changes, enrollment gaps, or waiting periods.
Client Endorsements: Voices of Trust and Satisfaction
This short-term plan was a lifesaver while I waited for my employer coverage to kick in. No hassle, just great service.
Luke Carter
I appreciated how simple the process was. The temporary plan gave me the coverage I needed without the long-term commitment.
Anthony Perez
I was in between jobs and needed coverage fast. Your team got me insured in less than 24 hours!
Josiah Evans
We specialize in providing tailored group health insurance solutions to businesses across New York City. Our mission is to deliver cost-effective, ACA-compliant coverage that meets the diverse needs of NYC employers and their workforce.
New York, USA
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