Short term health insurance frequently asked questions (FAQs)

What is short term health insurance?

Short term medical insurance, also called temporary health insurance or term health insurance, can provide a temporary solution to help fill gaps in coverage.

How long can I get coverage?

Term lengths vary by state, but in some states you can apply for up to nearly 12 months of coverage. Ready to see some short term plans underwritten by Golden Rule Insurance Company?

Enter your ZIP code to see available plans in your area.

Learn About Short Term Health Insurance

Ready to see some short term options?

Short Term Medical plans underwritten by Golden Rule may be the fast and flexible solution you’ve been looking for.

UnitedHealthcare’s nationwide network, one of the largest in the United States, provides access to nearly 1.4 million physicians and health care professionals, and approximately 6,500 hospitals and medical facilities. 3 It’s likely that your doctor is already a part of our network. 


  1. 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.
  2. Some states excluded.
  3. 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.

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.  

This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable).