Short-term health insurance can be a lifesaver during life’s in-between moments — like switching jobs, aging out of your parents' coverage, or waiting for open enrollment. In this 2025 guide, we’ll break down the best short-term health insurance options in the USA, compare plans, and help you find affordable coverage fast.
What Is Short-Term Health Insurance?
Short-term health insurance is temporary coverage designed to bridge gaps in your healthcare. These plans are usually available from 1 month to 12 months, and in some states, you can renew them up to 36 months.
While not ACA-compliant (Affordable Care Act), they cost much less and cover basic medical needs, like:
While not ACA-compliant (Affordable Care Act), they cost much less and cover basic medical needs, like:
- Doctor visits
- Emergency room care
- Hospital stays
- Some prescription drugs
They don’t cover pre-existing conditions, maternity care, or mental health treatment.
Who Needs Short-Term Health Insurance?
You might need short-term health insurance if:
You're in between jobs
Waiting for Medicare eligibility
Missed open enrollment
Recently graduated from college
Traveling or moving temporarily to another state
New immigrant or returning expat
These plans provide peace of mind, even if only for a few months.
You're in between jobs Waiting for Medicare eligibility Missed open enrollment Recently graduated from college Traveling or moving temporarily to another state New immigrant or returning expatThese plans provide peace of mind, even if only for a few months.
Pros and Cons of Short-Term Health Insurance
Pros:- Much cheaper than ACA plans
- Instant approval (same-day coverage)
- Choose custom coverage length
- Flexible provider networks
Cons:- No coverage for pre-existing conditions
- May have caps and exclusions
- Not all states allow these plans
Best Short-Term Health Insurance Providers in the USA (2025)
1. UnitedHealthcare (Golden Rule Insurance)
Why it's best: Nationwide coverage, multiple deductible options, fast approval.
- Monthly Premium: $90 – $200+
- Coverage Period: Up to 364 days
- Highlights: Large PPO network, optional dental/vision add-ons
Pros:
- Instant online quotes
- Choose from multiple plan tiers
- Widely accepted by doctors
Cons:
- Limited coverage on prescriptions
- Pre-existing conditions not covered
2. Pivot Health
Why it's best for customization: Offers tailored plans and good tech support.
- Monthly Premium: $80 – $180
- Coverage Period: 30 days to 12 months
- Highlights: Prescription discount card, telemedicine included
Pros:
- Budget-friendly
- Optional accident & illness riders
- Good for young adults
Cons:
- Not available in all states
- High deductibles for cheaper plans
3. National General (an Allstate Company)
Why it's best for flexibility: Multiple plan options + Rx discounts.
- Monthly Premium: $100 – $250
- Coverage Period: Up to 36 months (in some states)
- Highlights: Extensive doctor network, customizable options
Pros:
- Accepts credit cards
- Useful mobile app
- Strong customer service
Cons:
- Can have waiting periods
- Limited mental health coverage
4. Everest Prime
Why it's best for low deductibles: Offers plans with $1,000 deductible options.
- Monthly Premium: $70 – $160
- Coverage Period: 3 to 11 months
- Highlights: Fast claims processing, hospital/surgery coverage
Pros:
- Transparent pricing
- Easy-to-understand plans
- Great for healthy individuals
Cons:
- Limited telehealth support
- No dental/vision options
Provider | Premium Range | Coverage Length | Best For |
|---|---|---|---|
UnitedHealthcare | $90–$200 | Up to 364 days | Broad PPO coverage |
Pivot Health | $80–$180 | 30–364 days | Custom coverage |
National General | $100–$250 | Up to 36 months | All-in-one family option |
Everest Prime | $70–$160 | 3–11 months | Low deductibles |
What to Look for When Choosing a Plan
Before signing up, review the following:
- Deductibles and Copays
- Coverage Exclusions (read the fine print)
- Maximum Payout Limits
- Network Providers
- Prescription Drug Coverage
- Cancellation Policy
Always compare 3 or more plans before choosing.
Are Short-Term Plans Available in Your State?
As of 2025, short-term plans are available in most states, but restrictions exist in:
- California
- New York
- New Jersey
- Massachusetts
These states limit or ban short-term plans. Always check state-specific rules before applying.
Frequently Asked Questions (FAQs)
Are short-term health plans better than COBRA?
Short-term plans are much cheaper than COBRA but offer fewer benefits. COBRA continues your exact employer plan, but premiums are very high.
Do I need a medical exam?
No. Most short-term health plans use a simple health questionnaire — no physical exam required.
Can I renew my short-term plan?
In some states, yes — you can renew up to 36 months. In others, you must reapply after 3–12 months.
Final Thoughts: Should You Buy Short-Term Health Insurance?
If you’re healthy and just need basic coverage for a few months, a short-term plan can save you hundreds — even thousands — compared to an ACA plan.
But if you:
But if you:
- Have ongoing health issues
- Need mental health or maternity care
- Want comprehensive, long-term protection
…then a standard ACA or Medicaid plan may be better.
For many Americans in 2025, short-term plans are a smart, affordable solution — especially during transition periods.
For many Americans in 2025, short-term plans are a smart, affordable solution — especially during transition periods.