Short-Term Health Insurance
Temporary health coverage for gaps between jobs, enrollment periods, or life transitions. Not ACA-compliant — review limitations carefully.
⚠ Short-term health plans are NOT ACA-compliant coverage and may exclude pre-existing conditions. See the full disclosure below before considering this product.
About Short-Term Health Insurance
Short-term health insurance provides temporary medical coverage during gaps in employer-sponsored or marketplace coverage. These plans can be an affordable bridge option, but carry important limitations that all consumers must understand before purchasing.
What We Can Help With
- ✓ Temporary coverage during employment transitions or waiting periods
- ✓ Typically lower premiums than ACA marketplace plans
- ✓ Coverage terms vary by carrier and state; generally under 12 months in Texas
- ✓ May include coverage for doctor visits, urgent care, and hospitalizations
- ✓ Enrollment is available year-round (not subject to open enrollment periods)
REQUIRED DISCLOSURE: IMPORTANT DISCLOSURE: Short-term health insurance plans are NOT ACA-compliant minimum essential coverage. These plans may: (1) exclude coverage for pre-existing conditions; (2) have limited benefits and annual or lifetime benefit caps; (3) not cover preventive care, maternity, mental health, or prescription drugs; and (4) not satisfy ACA minimum essential coverage requirements. In Texas, short-term plans are currently limited to initial terms of less than 12 months. Review all plan documents, exclusions, and limitations carefully before purchasing. Do not cancel existing ACA-compliant coverage before consulting a licensed agent.
Get Started
Request a Quote Schedule a ConsultationComplete Your Coverage
Healthcare organizations typically need multiple coverage lines working together. Our licensed agents can help you identify gaps and structure the right program.
Individual Health Insurance
Marketplace and off-exchange individual health plans with broad carrier access, guided en…
Group Health Insurance
Employer-sponsored group health plans with flexible benefit design, tax-credit optimizati…
Dental Insurance
Individual and group dental coverage including preventive, basic restorative, and major d…
Ready to get coverage?
No obligation. Licensed agents. Fast quotes.