Short-Term Health Insurance

Have you just graduated from college? Are you in-between jobs? Are you about to leave home for the first time? There's a good chance that you're going to need a new health insurance plan.

One of the options to look into is short-term health insurance.

Get free quotes on short-term health plans…

* First Name: * Last Name: * Address: * City: * State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming * Zip: * Phone:      * Email:   Gender* Date of birth*   Height*  Weight* Smoker* Applicant M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Spouse -- M F / / Ft 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children 0 1 2 3 4 5 6 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Currently Insured? Yes   No Have conditions? Yes   No HIV/AIDS Diabetes Cancer Heart attack High blood pressure Asthma Stroke Depression requiring medication Other major illness

Short-term health plans feature low payments but high deductibles. They act as low-cost safety nets, instead of comprehensive day-to-day health plans.

How Much Will Short Term Health Cost?

The most appealing thing about a short-term plan? The low premium.

The average plan costs around $30.00 a month for a recent college grad in good health. Short-term health insurance is so affordable because there is only a small chance of you needing to file a large claim.

And short-term plans are easy to enroll in. In most instances, you’ll be able to purchase a short-term health plan that will be “in-force” the next day. You’re also likely to have the option to pay either on a monthly basis or as a single payment.

What Will a Short-Term Plan Cover?

The treatment options that short-term plans cover are reasonably comprehensive, especially considering the cost. You’ll have access to hospital and surgical care, emergency services, follow-up doctor’s office visits, diagnostic tests, and even limited mental health coverage.

Common care options covered by short-term plans:

• Prescription Drugs
• Laboratory and X-ray
• Ambulance Services
• Intensive Care

What You Need to Be Aware Of

Like all health plans, there will be areas where a short-term plan will fall short. For instance, you’ll have to pay for your own preventative care — including exams and  immunizations. There probably won’t be any coverage for maternity care. And the policy will almost certainly be non-renewable.

If you just need health coverage for between 6 months to a year, a short-term plan is one of the most affordable options available.

Want to find out more about insuring your health? Talk with our network of professional health insurance agents. Fill out our easy online form, and we'll connect you with health insurance agents licensed in your area. You'll be contacted with free insurance quotes, making it easy to see which options work the best for you.