Short-term coverage
Bridge the gap — between closings, brokerages, or seasons.
Lower-cost temporary medical coverage for periods when you need protection but year-round insurance isn't the right fit yet.
Short-term medical plans are temporary by design. They can be helpful when you're between brokerages, waiting for an ACA open enrollment window, or simply want lighter coverage during a slow stretch. They typically cost less than year-round private major-medical, but with important trade-offs around pre-existing conditions and benefit limits.
Coverage windows
Designed for short stretches — duration varies by state.
Lower monthly cost
Often more affordable than full major-medical.
Fast activation
Coverage can often start within days of approval.
Honest trade-offs
Your agent will explain what is and isn't covered.
What to consider
- Short-term plans are NOT ACA-compliant and typically don't cover pre-existing conditions.
- Benefit caps, network limits, and exclusions are common — read the plan summary.
- Availability and maximum durations vary by state.
Questions agents ask
How long can short-term coverage last?+
It varies by state — some allow up to 12 months with renewals, others are more restricted. A licensed agent will confirm what's available where you live.
Does it cover maternity, mental health, or prescriptions?+
Often not, or only with limits. These are common gaps in short-term plans compared to ACA-compliant coverage.
Is short-term coverage right for me?+
It's a fit for healthy people who need a bridge. If you have ongoing prescriptions or pre-existing conditions, a private major-medical or ACA plan is usually the better choice.
Plan availability and benefits vary by state, carrier, and underwriting. KeyHolder Health is a private insurance marketing and referral service — not affiliated with or endorsed by the U.S. government, Medicare, healthcare.gov, or any state agency.
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