Between jobs, waiting on other coverage, or missed open enrollment? Short-term medical insurance fills the gap — and you can enroll any time of year.
Short-term plans are built for flexibility. Here's what that looks like.
No open enrollment window. Apply and get covered any time of year, for as little as a month or up to a year depending on your state.
Coverage can often start within days, not weeks — built for people who need protection now, not next enrollment season.
Premiums are typically lower than ACA marketplace plans, though coverage is more limited — we'll walk you through the trade-offs.
Short-term plans won't cover everything a full health plan does, but they protect you from the kind of medical bill that turns into a financial emergency while you're between coverage.
Three steps, no pressure, no obligation.
Your zip code, household size, and income — takes under a minute.
Options from top-rated carriers, side by side, with your actual pricing.
A licensed advisor walks you through the details before you commit to anything.
We're not tied to one insurance company, so we show you what actually fits — not whichever plan pays us the most.
Every quote comes with access to a licensed advisor, not a chatbot script.
Comparing plans with us doesn't commit you to anything.
We know the Texas market and the carriers that actually serve it well.
Coverage often pairs with these — take a look while you're here.
Most plans cover doctor visits, urgent and emergency care, and some preventive care. Many also include limited prescription coverage — exact benefits vary by plan.
Short-term plans generally don't cover pre-existing conditions and aren't required to include the essential health benefits ACA plans must offer, like maternity care.
It depends on your state — anywhere from one month up to 364 days, with some plans renewable for a limited total duration.
No — it's a separate category of coverage. That's part of why it costs less, but also why it covers less than a marketplace plan.
Often within a few days of applying, which makes it a common choice for people who need coverage to start quickly.
People between jobs, waiting on other coverage to start, recent graduates coming off a parent's plan, or anyone who missed open enrollment and needs a bridge.
