Short-Term Medical Insurance —
Coverage for Life's Transitions
Affordable, flexible health coverage when you're between jobs, plans, or waiting for open enrollment. Terms from 1 to 12 months — available any time of year.
What Is Short-Term Medical Insurance?
Short-term medical insurance is temporary health coverage designed to fill the gaps that happen during life transitions — losing a job, turning 26 and coming off a parent's plan, waiting for employer coverage to kick in, or missing the ACA open enrollment window.
Unlike ACA marketplace plans, short-term plans are available year-round — you don't need a qualifying life event to enroll. Coverage can begin as quickly as the following day. Terms typically range from 30 days to 12 months, and in some states, plans can be renewed.
Short-term plans generally cover unexpected illnesses and accidents, emergency care, and hospitalizations, but they differ significantly from ACA plans. They may not cover pre-existing conditions, mental health, or maternity care. A GraceGuard advisor will clearly explain what any plan does and does not cover before you enroll.
Why It Matters
Available Any Time of Year
No open enrollment window required. You can apply year-round and coverage can begin as soon as the next day in most states.
Flexible Coverage Terms
Choose a term that matches your situation — from 30 days to 12 months — so you're not paying for more than you need.
Lower Premiums Than ACA Plans
Short-term plans are typically significantly more affordable on a monthly basis, which makes them a practical bridge when budget is tight.
Fast Enrollment Process
Simple application, quick approval, and same-day or next-day coverage start in most cases.
What's Typically Covered
Coverage varies by carrier and plan. A GraceGuard advisor will review exact terms for the plans available in your state.
Who This Plan Is For
Common Questions
Talk to a Licensed Advisor About Short-Term Coverage
Let a GraceGuard advisor walk you through short-term medical options available in your state — and help you understand exactly what each plan covers before you commit.
- Free 15-minute consultation with a licensed advisor
- We serve clients in 30 U.S. states
- Your information is kept private and never sold
- Zero obligation — walk away at any time
Request Your Free Consultation
A licensed advisor will call you within one business day.