Short-Term Medical Insurance Plans

Short Term Medical is a type of health insurance that helps individuals with basic medical coverage during gaps in insurance coverage. The premiums for these plans are quite affordable, though they provide fewer “essential health benefits” than comprehensive ACA health plans.

Short Term Medical plans last up to 12 months, but may be cancelled at any time without penalties.

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Short Term Medical Plans

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FlexTerm Health Insurance from Everest

Unexpected illnesses and accidents happen every day, and the resulting medical bills can be disastrous.

FlexTerm Health Insurance helps to protect you from the medical bills that can result from unexpected Injuries and Sickness. Safeguard your financial future with FlexTerm Health Insurance. It provides the peace of mind and health care access you need at a price you can afford.

* Short Term Medical insurance is often a lower-cost alternative to COBRA. However, if you purchase Short Term Medical rather than maintaining COBRA coverage, you may give up your rights to coverage for pre-existing conditions or guaranteed health insurance in the future. Short Term Medical benefits may be limited compared to COBRA coverage.

Who Uses Short Term Medical Insurance?

Using temporary Short Term Medical insurance helps bridge a gap before you are able to start your next traditional major medical plan. STM insurance does not have specific enrollment periods so you can apply at any time. You can be covered by a policy as soon as next day if you apply online, meet eligibility criteria and pay using a credit card or automatic bank debit.

In Between Jobs

Consider Short Term Medical for about half the cost of COBRA*. Short Term Medical offers next-day coverage to help you bridge the health insurance gap.


Waiting For Employer Benefits

Often new employers have a waiting period before you are eligible for health benefits. With Short Term Medical, you may stay insured and can choose your own plan duration.

Temporary or Seasonal Employees

Short Term Medical offers individuals flexible coverage options for workers whose employment schedule is unpredictable.

Adult Children Losing Dependent Status

At age 26, children lose dependent status and may no longer included on their parent’s health plan. Short Term Medical is an affordable way to guard against unexpected medical bills due to new illness or injury.