Short-Term Medical

About This Coverage

Short-Term Medical

Short-term medical isn't a long-term replacement for ACA — but it's a real solution for a 1-to-6 month gap: between jobs, waiting for a new employer's plan to start, or until the next ACA Open Enrollment.

We'll tell you honestly when short-term makes sense (and when it doesn't — it's not subsidy-eligible and doesn't cover pre-existing conditions).

What's included

• 1, 3, 6, or 12-month terms (state-dependent)
• Quick enrollment — coverage can start next day
• Lower premiums than ACA for healthy individuals
• Catastrophic protection during the gap
• Honest advice on when to use it vs. ACA
• Easy transition to ACA when ready

When this is the right fit

• Between jobs and need coverage for 60–90 days
• Waiting for new employer benefits to start
• Missed ACA Open Enrollment — need coverage now
• Want catastrophic-only coverage temporarily