Short-Term Health Insurance: Pros, Cons, and Costs

Short-term health insurance provides temporary medical coverage for varying durations depending on your state—up to 364 days in many states, with renewal options extending to 36 months total. These plans offer lower premiums than ACA marketplace plans but come with significant limitations, including the ability to deny coverage for pre-existing conditions.

What Short-Term Plans Cover

• Doctor visits and specialist consultations
• Emergency room visits and hospitalization
• Surgery and intensive care
• Lab tests and diagnostic imaging

What They Don't Cover

• Pre-existing conditions (any condition diagnosed or treated before enrollment)
• Maternity care
• Mental health services (limited or excluded)
• Prescription drugs (often limited)
• Preventive care and wellness visits

Typical Costs

Monthly premiums for a 30-year-old range from $80-$200 for short-term plans, compared to $300-$500 for unsubsidized ACA plans, though costs vary by state. Deductibles can reach $10,000+ and annual benefit caps may apply.

Who Should Consider Short-Term Insurance

Short-term plans may make sense if you're between jobs and waiting for employer coverage to start, missed Open Enrollment and don't qualify for a Special Enrollment Period, or need temporary coverage for a specific gap. They're not recommended as long-term coverage.

Not sure which type of plan is right for you? Resilience Health Advisors can help you compare short-term plans with ACA options. Get a free consultation.