BNews.id - Short-term health insurance is becoming a popular choice in the USA for freelancers, self-employed workers, and individuals in transition. In 2025, temporary coverage can help bridge gaps between jobs, open enrollment periods, or unexpected life changes. This article explores the best short-term health insurance options, costs, and key considerations.
Table of Contents
Overview of Short-Term Health Insurance
Short-term health insurance provides temporary medical coverage for individuals who need a safety net but don’t want or can’t afford long-term policies. In the USA, these plans are flexible and can last from a few months up to one year, depending on state regulations.
Benefits of Short-Term Plans
- Lower monthly premiums compared to ACA marketplace plans
- Fast approval process—often same-day coverage
- Customizable coverage options for different needs
- Useful for freelancers, contract workers, or those between jobs
Limitations to Consider
While short-term health insurance is affordable, it often comes with restrictions:
- No coverage for pre-existing conditions
- Limited preventive care and maternity benefits
- Not ACA-compliant, meaning no guaranteed essential health benefits
Best Short-Term Health Insurance Providers in 2025
1. UnitedHealthcare
One of the largest providers offering flexible short-term plans with nationwide coverage.
2. Pivot Health
Affordable premiums with customizable deductibles and optional add-ons.
3. IHC Group
Strong coverage for short-term needs, ideal for healthy individuals seeking lower monthly payments.
4. National General Accident & Health
Provides diverse options with accident protection and preventive care add-ons.
Average Costs of Short-Term Coverage
In 2025, short-term health insurance in the USA costs between $150 and $400 per month depending on age, health, and coverage level. Deductibles range from $1,000 to $10,000, with varying co-pay options.
Tips for Choosing the Right Plan
- Evaluate how long you need coverage
- Compare premiums and out-of-pocket costs
- Check provider networks and hospital access
- Read exclusions carefully (e.g., maternity, chronic conditions)
📌 You may also like: Health Insurance for Freelancers
Frequently Asked Questions (FAQ) – Short-Term Health Insurance
1. Who should consider short-term health insurance?
It’s best for freelancers, gig workers, or individuals between jobs who need affordable temporary coverage.
2. Can short-term plans cover pre-existing conditions?
No, most short-term health insurance plans exclude pre-existing conditions.
3. How quickly can I get covered?
Many providers offer same-day approvals and coverage that starts within 24 hours.
4. Are short-term health insurance plans ACA-compliant?
No. These plans are not ACA-compliant and may not cover essential health benefits like maternity care or preventive services.
5. What is the maximum length of coverage?
Depending on state rules, short-term policies can last from 3 months to 12 months, with some renewable up to 36 months.
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