Overview
After deductible, plan pays from 50% to 100% (depending on plan choice) to out of pocket maximum, then 100% to policy maximum.
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Short Term Health Insurance
Temporary Medical Insurance
Short term health insurance is important for anyone looking for a temporary medical coverage. It is suitable for a wide variety of people such as:
- Those who missed the open enrollment deadline for ACA compliant insurance
- New immigrants to USA
- Temporary workers and their dependents on H and L visas
- US citizens returning to the US after living abroad
- People between jobs
- Those waiting for their employer provided long term domestic insurance to begin
- Recent college graduates, including international students on OPT
- Those waiting to be eligible for domestic health insurance
- Early retirees waiting to enroll into Medicare
In order to be eligible for short term medical insurance, you must be under the age of 65 years and must live in one of the states where it is available.
It is very important to understand that short term health insurance is not suitable for everyone and that it doesn't provide the Minimum Essential Coverage (MEC) as mandated by the Affordable Care Act (ACA). If you are required to maintain ACA compliant insurance, you may be subject to penalties at the time of filing your tax return. Short term health insurance plans provide limited coverage, meaning it does not typically provide coverage for pre-existing conditions, preventative checkups, maternity, mental health, and other coverage included in Affordable Care Act plans.
Insurance Guide
Our insurance guide makes it very easy to navigate the complexities of short term health insurance.
Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy buy insurance from Insubuy?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More