How to Get Short-Term Health Insurance
- Jose Ortez
- Feb 23
- 3 min read
Updated: Apr 3
If you’re looking for quick, flexible health coverage, short-term health insurance is a great option. Whether you’re between jobs, waiting for new insurance to start, or just need temporary coverage, getting a short-term plan is easier than you might think. These plans are designed to cover unexpected medical expenses, like doctor visits or emergency care, when you need them most.
In this guide, we’ll walk you through the simple steps to apply for a short-term health plan that fits your needs and budget. Let’s get started!
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Who Qualifies for Short-Term Health Insurance?
Not everyone can—or should—get short-term health insurance. While it’s a great option for some people, it’s not the right fit for everyone because these plans often require underwriting. That means you’ll have to answer health questions when you apply, and if you’ve had certain health issues in the past (like asthma or diabetes), you might not qualify. Even if you do, those health problems might not be covered.
Short-term insurance is best for folks who are:
In between jobs: If you just left a job or are about to start a new one, this can cover you while you’re in that gap.
Waiting for other coverage: Sometimes, there’s a waiting period before new insurance starts. Short-term plans can help during that time.
Missed open enrollment: If you missed the deadline to sign up for regular health insurance, this could be a backup option.
Recently graduated: If you’ve just finished school and are job-hunting, short-term insurance can help you stay covered until you find a job with benefits.
Before applying, think about your health and whether you’d qualify. It’s always good to ask questions and make sure short-term insurance is the right fit for you!
How to Apply for Short-Term Health Insurance
Getting started with short-term health insurance is easier than you might think. Here’s what you need to do:
Step 1: Research and Compare
Start by doing a bit of research. There are many companies that offer short-term plans, and each one is a bit different. Look at what each plan covers, how much it costs, and any restrictions they might have. Comparing plans will help you find the one that fits your needs best.
Step 2: Check if you Qualify
Make sure you qualify for the plan. Some plans might have specific requirements about who can sign up, and many require you to answer health questions. Double-check the approval process to ensure you’re eligible.
Step 3: Get a Quote
Once you’ve found a plan that looks good, get a quote. This will give you an idea of how much the monthly premiums will be and if it fits your budget.
Step 4: Apply Online or Over the Phone
Most insurance providers let you apply online or over the phone. You'll need to fill out some basic information about yourself and possibly answer a few health questions. Don’t worry, it’s usually pretty straightforward!
Or Make It Even Easier With Us!
While you can apply on your own, most people prefer applying with us. Why? Because it’s easy, stress-free, and completely free! We’ll walk you through the process, help you compare plans, and make sure you’re choosing the best option for your needs. Plus, you’ll have peace of mind knowing you’re getting expert advice from licensed professionals.
Step 5: Make Your First Payment
After you apply, you’ll need to make your first payment to activate the policy. Once paid, you’ll be covered!
Choosing the right short-term health insurance doesn’t have to be complicated. Let us help you find the perfect plan today!
Final Thoughts
Short-term health insurance can be a handy option when you're in a pinch. It's important to remember that it's not a permanent solution, but it can give you peace of mind while you figure out your next steps. If you have any questions, don't hesitate to reach out to an insurance advisor—they're there to help!
Remember, health insurance is all about protecting yourself when the unexpected happens. Now that you know how to get short-term health insurance, you're one step closer to being covered.
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