Short term health insurance
Bridge the gaps in health insurance coverage
Short term health insurance, underwritten by Golden Rule Insurance Company, is a flexible health insurance coverage solution when you need coverage for a period of transition in your life.
View short term plans by state
Is short term insurance for me?
Short term insurance may be for you if you're:
- Unable to apply for Affordable Care Act (ACA), also called Obamacare, coverage because you missed Open Enrollment and you don't qualify for Special Enrollment
- Waiting for your ACA coverage to start
- Looking for coverage to bridge you to Medicare
- Turning 26 and coming off your parent's insurance
- Between jobs or waiting for benefits to begin at your new job
- Healthy and under 65
For these situations and many others, Short term health insurance, also called temporary health insurance or term health insurance, might be right for you. It can fill that gap in coverage until you can choose a longer term solution.
Read more about plans available where you live
The benefits of short term health insurance
Short term health insurance offers you just the kind of flexible, fast coverage you need for those dynamic times of change in your life. With short term medical plans1 you can:
- Get covered fast, as soon as the day after application
- Pick your deductible amount from several options
- Pick your length of coverage, 1 to nearly 12 months in some states2
- Drop coverage with no penalty if a more permanent health insurance option comes along
- You may be able to apply for another short term health insurance plan when the first one finishes, if needed3
- Access an extensive network of health care professionals, with 1.4 million physicians and other health care professionals and approximately 6,500 hospitals and other facilities4
- Get generally lower premiums than with ACA health insurance plans
Keep these short term insurance reminders in your long-term memory
With short term health insurance you are not buying an ACA health plan. That means you need to keep a few things in mind as you plan your coverage needs:
- ACA health plans are guaranteed issue, meaning you cannot be denied coverage based on preexisting conditions
- Short term insurance plans are not guaranteed issue, do not cover preexisting conditions, and you must answer a series of medical questions to apply for coverage
- ACA health plans are required to cover 10 essential health benefits, including maternity and newborn care, mental health and substance abuse disorder services
- Short term insurance plans do not have coverage requirements, so plans vary in what they cover. Check your plan details carefully
So, it’s true that you may save money by choosing short term health insurance. Just be sure you know what you are buying, and that it’s a good choice for you. For the right situation, short term insurance plans can definitely provide fast, flexible, temporary health insurance coverage that fits your needs.
Learn about Short Term Health Insurance
The UnitedHealthcare commitment to the short term health insurance option hasn’t just come about with recent shifts in the health insurance market. Golden Rule Insurance Company, which became a part of UnitedHealthcare in 2003 and still underwrites the short term medical insurance product today, has been offering short term insurance plans for over 30 years.
Note: This coverage is not “minimum essential coverage” as defined by the ACA.
The federal tax payment for not having minimum essential coverage no longer applies, but tax penalties may still exist at the state level. Consult your tax advisor for more information.
- Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.
- Term lengths vary by state.
- Some states excluded.
- UnitedHealth Group Annual Form 10-K for year ended 12/31/20.
Product design, availability, term length and additional terms vary by state.
This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage call (or write) your insurance agent or the company (whichever is applicable).
No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.
References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.
Each company is a separate entity and is not responsible for another’s financial or contractual obligations.
Administrative services are provided by United HealthCare Services, Inc. or their affiliates.
Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc."