Short-Term (Temporary) Health Insurance — Gap Coverage & Quotes
Compare short-term health insurance for between jobs, moving, or waiting for new coverage to start. See plan lengths, costs, and networks by ZIP—get quotes in minutes.
Trusted by Millions of Americans
Why over 2.3 million people choose us for their health insurance needs
Licensed & Certified
State-licensed agents with 10+ years experience
2.3M+ Customers Served
Trusted by millions nationwide since 2015
100% Secure & Private
Your information is encrypted and never sold
No Obligation
Compare plans risk-free with zero pressure
A+ BBB Rating
Accredited business with excellent reviews
Expert Support
Licensed agents available when you need help
Why 2.3M+ Americans Choose Us
Real results from real customers - guaranteed savings or your money back
Licensed Guidance for Families
Talk to a state-licensed agent about family plans
We Verify Networks
We’ll check your doctors and pediatrician before you enroll.
Plan Fit for Your Budget
Balance premium, deductible, and out-of-pocket max for your family.
Secure & Private
Your info is encrypted and never sold.
Short-Term Coverage at a Glance
Your quick guide to short-term health insurance—what’s covered,
how HMO/PPO/EPO/HSA plans differ, and practical ways to find affordable options for your ZIP.
Short-Term Health Insurance Coverage at a Glance
Short-term (temporary) plans focus on essential, short-duration benefits like office/urgent-care visits, ER, and diagnostics. Limits and exclusions apply, and pre-existing conditions are typically not covered.
Benefits and costs vary by ZIP and plan. We’ll verify details before you enroll.
Is a Short-Term / Gap Plan Right for You?
Use this to quickly decide if a temporary plan fits your situation—great for between-jobs gaps or a move, but not ideal when you need ongoing care, brand-name Rx, or maternity.
- Coverage between jobs or waiting for new coverage to start
- Recent move or missed an enrollment window
- Need low monthly cost for a few weeks to months
- You can accept exclusions/limits to keep premiums low
- You need ongoing care, brand-name Rx, or maternity coverage
- You have pre-existing conditions you want covered
- You want comprehensive benefits with annual preventive care
- You prefer richer out-of-network or unlimited visit benefits
See family quotes for your ZIP — no obligation.
How to Compare & Find Affordable Short-Term Plans
Look at monthly premium, deductible, benefit caps, visit limits, and your doctor/hospital network—then pick the right plan length.
- Plan length
- Deductible & coinsurance
- Per-condition/overall max
- Visit & Rx limits
- Network access
- Cancellation rules
- Shorter term
- Higher deductible
- Narrower network
- Lower benefit max
- Frequent visits or meds can exceed plan caps
- Confirm your urgent-care/ER and preferred doctor access
See family quotes for your ZIP — no obligation.
Individual Situations & Options
Use short-term plans for temporary gaps—learn about pre-existing limits, between-jobs timelines, state rules, and comparing companies.
Health Insurance Between Jobs
Short-term plans can begin as soon as the next day in many states and run for a limited duration. We’ll help you choose a start date and term length that bridges to your next coverage.
- Earliest start date and available term lengths
- Cancellation/refund rules if your new plan starts early
- Provider access near home/work
- Urgent-care/ER benefits and per-visit limits
- Align the end date with your expected new coverage start
- Know the maximum term in your state (varies)
- Keep proof of coverage for any gap documentation
Availability and pricing vary by state and insurer. We’ll confirm details before you enroll.
Pre-Existing Conditions on Short-Term Plans
- Most short-term policies exclude pre-existing conditions, and some have look-back periods for symptoms/treatment.
- Certain services (maternity, mental health, brand-name Rx) may be limited or excluded—check the certificate of insurance.
- We’ll review the policy documents for your situation before you enroll.
Benefits and exclusions vary by plan and state.
Gap Health Insurance vs Other Private Options
- Short-term: lower monthly premium, limited benefits, exclusions apply.
- Private major-medical: higher premium, more comprehensive benefits.
- We’ll compare total yearly cost and benefits so you can choose with confidence.
Compare Short-Term Plans & Provider Networks
- We compare multiple insurers; availability and max durations vary by state.
- Network access (primary care, urgent care, hospitals) can differ by plan.
- We confirm deductibles, caps, visit/Rx limits, and your estimated yearly cost.
Customer Experiences
"Found better coverage and saved money on our family plan. The process was straightforward and helpful."
"Quick approval process and kept my preferred doctor. Would recommend to others looking for coverage."
"Good experience overall. Lower premiums than expected and responsive customer service team."
"Found better coverage and saved money on our family plan. The process was straightforward and helpful."
"Quick approval process and kept my preferred doctor. Would recommend to others looking for coverage."
"Good experience overall. Lower premiums than expected and responsive customer service team."
How It Works
Get covered in three simple steps
Enter ZIP
See family plans available in your area
Compare Options
Premiums, deductibles, networks for couples & kids
Enroll with a Licensed Agent
Get help completing your family enrollment
Frequently Asked Questions
Get answers to common questions about health insurance