Best Short-Term Health Insurance Companies Of 2025

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.chevron-arrow,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text .chevron-arrow{margin-left:12px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .no-child-menu{border-right:0;display:inline-block;padding:9px 10px 9px 16px;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .no-child-menu:hover{background-color:hsla(0,0%,100%,.039);text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .paid-link-text{color:#bbb;display:inline;font-family:Work Sans,sans-serif;font-size:12px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper{align-items:center;display:flex;justify-content:space-between;padding:9px 12px 9px 16px;position:relative}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper:hover{background-color:hsla(0,0%,100%,.039)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper:hover .title-text{text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title{cursor:pointer}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .chevron-arrow{border-left:1px solid #333;display:inline-block;padding:13px 16px 12px 21px;position:relative}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .chevron-arrow:after{border:solid #fcfcfc;border-width:0 3px 3px 0;content:"";display:inline-block;margin-left:auto;padding:3px;position:absolute;right:12px;top:9px;transform:rotate(45deg);-webkit-transform:rotate(45deg)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .chevron-arrow:after{top:11px;transform:rotate(-135deg);-webkit-transform:rotate(-135deg)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu .title-wrap{background:#171717;display:block;font-family:Work Sans,sans-serif;font-size:12px;font-weight:400;line-height:16px;padding:12px 9px 12px 40px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu .title-wrap:hover{background-color:hsla(0,0%,100%,.039);text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a{cursor:pointer;display:inline-block;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a:hover{text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-static-list{cursor:revert;padding:12px 8px 12px 14px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list{padding:12px 8px 12px 16px}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list:hover{background-color:hsla(0,0%,100%,.078)}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{align-items:center;display:flex;justify-content:space-between}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-text{width:92%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-icon{cursor:pointer}@media 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.author-wrap{border-bottom:none;padding-left:0;padding-right:0}@media screen and (min-width:821px){.best-cc-v1-wrapper .author-wrap .authors-container,.generic-widget-2021-wrapper .author-wrap .authors-container{padding:0 0 24px}} </style><div class="author-wrap total_author_2"><div class="authors-container container "><div class="author_container primary-author" data-ecom-container='{"componentTitle":"Multiple Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/lmasterson/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="24px" height="24px"></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-ecom-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a><span class="author-role">Deputy Editor, Insurance</span></div></div><div class="middle-content">Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-ecom-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a><span class="author-role">Deputy Editor, Insurance</span></div></div><div class="middle-content">Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="title-wrap"><div class="title-top-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/lmasterson/" data-ecom-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}' target="_blank">Les Masterson </a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-ecom-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a><span class="author-role">Deputy Editor, Insurance</span></div></div><div class="middle-content">Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-ecom-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a><span class="author-role">Deputy Editor, Insurance</span></div></div><div class="middle-content">Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Deputy Editor, Insurance </div></div></div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-ecom-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Laura D. Adams, MBA","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/96x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/Laura-Adams-Headshot-2024-Laura-Adams.jpeg" alt="Laura D. Adams, MBA" width="24px" height="24px"></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/96x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/Laura-Adams-Headshot-2024-Laura-Adams.jpeg' alt='Laura D. Adams, MBA' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Expert Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" target="_blank" data-ecom-link='{"clickText":"Laura D. Adams, MBA","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}'>Laura D. Adams, MBA</a><span class="author-role">Insurance and Credit Card Expert</span></div></div><div class="middle-content">Insurance and credit cards expert Laura Adams is one of the nation’s leading personal finance and small business authorities. As an award-winning author of multiple books, keynote speaker, host of the "Money Girl" podcast (more than 42 million downlo...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/96x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/Laura-Adams-Headshot-2024-Laura-Adams.jpeg' alt='Laura D. Adams, MBA' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Expert Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" target="_blank" data-ecom-link='{"clickText":"Laura D. Adams, MBA","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}'>Laura D. Adams, MBA</a><span class="author-role">Insurance and Credit Card Expert</span></div></div><div class="middle-content">Insurance and credit cards expert Laura Adams is one of the nation’s leading personal finance and small business authorities. As an award-winning author of multiple books, keynote speaker, host of the "Money Girl" podcast (more than 42 million downlo...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="right_wrap"><div class="title-wrap"><div class="title-top-wrap"><div class="prefix-text">Expert Reviewed</div><div class="name author-byline-hoverover author-badge-name"><a href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" data-ecom-link='{"clickText":"Laura D. Adams, MBA","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}' target="_blank" class="mobile-disabled-link">Laura D. Adams, MBA</a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/96x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/Laura-Adams-Headshot-2024-Laura-Adams.jpeg' alt='Laura D. Adams, MBA' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Expert Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" target="_blank" data-ecom-link='{"clickText":"Laura D. Adams, MBA","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}'>Laura D. Adams, MBA</a><span class="author-role">Insurance and Credit Card Expert</span></div></div><div class="middle-content">Insurance and credit cards expert Laura Adams is one of the nation’s leading personal finance and small business authorities. As an award-winning author of multiple books, keynote speaker, host of the "Money Girl" podcast (more than 42 million downlo...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/96x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/Laura-Adams-Headshot-2024-Laura-Adams.jpeg' alt='Laura D. Adams, MBA' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Expert Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" target="_blank" data-ecom-link='{"clickText":"Laura D. Adams, MBA","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}'>Laura D. Adams, MBA</a><span class="author-role">Insurance and Credit Card Expert</span></div></div><div class="middle-content">Insurance and credit cards expert Laura Adams is one of the nation’s leading personal finance and small business authorities. As an award-winning author of multiple books, keynote speaker, host of the "Money Girl" podcast (more than 42 million downlo...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Insurance and Credit Card Expert </div></div></div></div></div></div></div></div><div class="more-author"><span class="text">& 1 other</span><div class="arrow-icon rotate"></div></div></div><div class="ask-the-editor-wrapper"><div class="container"></div></div> <div class="container"> <div class="main-wrapper show-right-rail"> <div class="article-wrapper inarticle-link-tracking"> <style> .no-editorial-note { margin : 12px 0;} .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="intro-content applyfade "> <div class="intro-content-inner wysiwyg-content"> <p><strong>Everest’s Flex Term Health Insurance, Pivot Health’s Epic Base and UnitedHealthcare’s Copay Select Max</strong> are the best short-term health insurance plans, according to our analysis.</p> <p>Short-term health insurance provides limited coverage for a short time. 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.toc-wrapper,.page-template .toc-wrapper .content-accordion,.page-template .toc-wrapper .product-accordion,.page-template .toc-wrapper .rr-content-accordion,.page-template .toc-wrapper .toc-accordion,.post-template .toc-content-test,.post-template .toc-content-test .content-accordion,.post-template .toc-content-test .product-accordion,.post-template .toc-content-test .rr-content-accordion,.post-template .toc-content-test .toc-accordion,.post-template .toc-rr-wrapper,.post-template .toc-rr-wrapper .content-accordion,.post-template .toc-rr-wrapper .product-accordion,.post-template .toc-rr-wrapper .rr-content-accordion,.post-template .toc-rr-wrapper .toc-accordion,.post-template .toc-sticky-wrap .mobile-accordion-wrapper,.post-template .toc-wrapper,.post-template .toc-wrapper .content-accordion,.post-template .toc-wrapper .product-accordion,.post-template .toc-wrapper .rr-content-accordion,.post-template .toc-wrapper .toc-accordion,.post-template-default .toc-content-test,.post-template-default .toc-content-test .content-accordion,.post-template-default .toc-content-test .product-accordion,.post-template-default .toc-content-test .rr-content-accordion,.post-template-default .toc-content-test .toc-accordion,.post-template-default .toc-rr-wrapper,.post-template-default .toc-rr-wrapper .content-accordion,.post-template-default .toc-rr-wrapper .product-accordion,.post-template-default .toc-rr-wrapper .rr-content-accordion,.post-template-default .toc-rr-wrapper .toc-accordion,.post-template-default .toc-sticky-wrap .mobile-accordion-wrapper,.post-template-default .toc-wrapper,.post-template-default .toc-wrapper .content-accordion,.post-template-default .toc-wrapper .product-accordion,.post-template-default .toc-wrapper .rr-content-accordion,.post-template-default .toc-wrapper .toc-accordion{font-family:Work Sans,sans-serif} </style> <div class="toc-drawer-wrap" data-ecom-container='{"componentTitle":"Table Of Contents","componentType":"Sticky TOC"}'> <div class="toc-sticky-wrap "> <div class="toc-accordion mobile-accordion-wrapper" data-ecom-misc-click='{"clickText":"Table Of Contents","clickType":"Accordion","referenceText":""}' > Table of Contents </div> <div class="toc-section-wrapper mobile-accordion-content"> <div class="toc-section-overflow-wrapper"> <div class="toc-wrapper"> <div class="toc-accordion mob-d-none active test-arrow toc-container" data-ecom-misc-click='{"clickText":"Our Expert Picks","clickType":"Accordion","referenceText":""}' > Our Expert Picks </div> <div class="toc-section-wrapper toc-toggle"> <div class="product-accordion mob-d-block">Our Expert Picks</div> <div class="toc-products-wrapper"> <ul class="toc-products toc-select"> <li class="toc-product-item toc-item"> <a href="#unitedhealthcare" class="jump-to" data-ecom-misc-click='{"clickText":"UnitedHealthcare","clickType":"Jump Link","referenceText":"Our Expert Picks"}' >UnitedHealthcare</a> </li> <li class="toc-product-item toc-item"> <a href="#pivot_health" class="jump-to" data-ecom-misc-click='{"clickText":"Pivot Health","clickType":"Jump Link","referenceText":"Our Expert Picks"}' >Pivot Health</a> </li> <li class="toc-product-item toc-item"> <a href="#everest" class="jump-to" data-ecom-misc-click='{"clickText":"Everest","clickType":"Jump Link","referenceText":"Our Expert Picks"}' >Everest</a> </li> </ul> <div class="toc-bottom-gradient"></div> </div> </div> </div> <div class="toc-content-test"> <div class="toc-content-wrapper"> <div class="toc-accordion toc-container mob-d-none " data-ecom-misc-click='{"clickText":"Table of Contents","clickType":"Accordion","referenceText":""}' > Table of Contents </div> <div class="toc-content-list-wrapper toc-toggle"> <div class="content-accordion mob-d-block">Table of Contents</div> <div class="toc-products-wrapper"> <ul class="toc-content-list toc-select"> <li class="toc-content-item toc-item"> <a href="#summary_best_short_term_health_insurance_companies_section" class="jump-to" data-ecom-misc-click='{"clickText":"Summary: Best Short-Term Health Insurance Companies","clickType":"Jump Link","referenceText":"Table of Contents"}' >Summary: Best Short-Term Health Insurance Companies</a> </li> <li class="toc-content-item toc-item"> <a href="#the_best_short_term_health_insurance_companies_section" class="jump-to" data-ecom-misc-click='{"clickText":"The Best Short-Term Health Insurance Companies","clickType":"Jump Link","referenceText":"Table of Contents"}' >The Best Short-Term Health Insurance Companies</a> </li> <li class="toc-content-item toc-item"> <a href="#what_is_short_term_health_insurance_section" class="jump-to" data-ecom-misc-click='{"clickText":"What Is Short-Term Health Insurance?","clickType":"Jump Link","referenceText":"Table of Contents"}' >What Is Short-Term Health Insurance?</a> </li> <li class="toc-content-item toc-item"> <a href="#short_term_health_insurance_laws_by_state_section" class="jump-to" data-ecom-misc-click='{"clickText":"Short-Term Health Insurance Laws by State","clickType":"Jump Link","referenceText":"Table of Contents"}' >Short-Term Health Insurance Laws by State</a> </li> <li class="toc-content-item toc-item"> <a href="#how_do_you_qualify_for_short_term_health_insurance_section" class="jump-to" data-ecom-misc-click='{"clickText":"How Do You Qualify For Short-Term Health Insurance?","clickType":"Jump Link","referenceText":"Table of Contents"}' >How Do You Qualify For Short-Term Health Insurance?</a> </li> <li class="toc-content-item toc-item"> <a href="#how_much_does_short_term_health_insurance_cost_section" class="jump-to" data-ecom-misc-click='{"clickText":"How Much Does Short-Term Health Insurance Cost?","clickType":"Jump Link","referenceText":"Table of Contents"}' >How Much Does Short-Term Health Insurance Cost?</a> </li> <li class="toc-content-item toc-item"> <a href="#what_does_short_term_health_insurance_cover_section" class="jump-to" data-ecom-misc-click='{"clickText":"What Does Short-Term Health Insurance Cover?","clickType":"Jump Link","referenceText":"Table of Contents"}' >What Does Short-Term Health Insurance Cover?</a> </li> <li class="toc-content-item toc-item"> <a href="#what_does_short_term_health_insurance_not_cover_section" class="jump-to" data-ecom-misc-click='{"clickText":"What Does Short-Term Health Insurance Not Cover?","clickType":"Jump Link","referenceText":"Table of Contents"}' >What Does Short-Term Health Insurance Not Cover?</a> </li> <li class="toc-content-item toc-item"> <a href="#expert_roundup_how_to_choose_the_best_short_term_health_insurance_plan_for_you_section" class="jump-to" data-ecom-misc-click='{"clickText":"Expert Roundup: How To Choose the Best Short-Term Health Insurance Plan for You","clickType":"Jump Link","referenceText":"Table of Contents"}' >Expert Roundup: How To Choose the Best Short-Term Health Insurance Plan for You</a> </li> <li class="toc-content-item toc-item"> <a href="#methodology_section" class="jump-to" data-ecom-misc-click='{"clickText":"Methodology","clickType":"Jump Link","referenceText":"Table of Contents"}' >Methodology</a> </li> <li class="toc-content-item toc-item"> <a href="#best_short_term_health_insurance_faqs_section" class="jump-to" data-ecom-misc-click='{"clickText":"Best Short-Term Health Insurance FAQs","clickType":"Jump Link","referenceText":"Table of Contents"}' >Best Short-Term Health Insurance FAQs</a> </li> </ul> <div class="toc-bottom-gradient"></div> </div> </div> </div> </div> <div class="toc-rr-wrapper"> <div class="toc-accordion mob-d-none" data-ecom-misc-click='{"clickText":"Find The Best Health Insurance","clickType":"Accordion","referenceText":""}' > Find The Best Health Insurance </div> <div class="toc-rr-content toc-toggle"> <div class="rr-content-accordion mob-d-block">Find The Best Health Insurance</div> <div class="toc-products-wrapper"> <ul class="toc-rr-item-wrapper"> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/health-insurance/best-affordable-health-insurance/" class="jump-to" data-ecom-link='{"clickText":"Best Affordable Health Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/best-affordable-health-insurance\/","clickType":"internal","referenceText":"Find The Best Health Insurance"}' >Best Affordable Health Insurance</a> </li> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/health-insurance/dental-insurance/best-dental-insurance-companies/" class="jump-to" data-ecom-link='{"clickText":"Best Dental Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/dental-insurance\/best-dental-insurance-companies\/","clickType":"internal","referenceText":"Find The Best Health Insurance"}' >Best Dental Insurance</a> </li> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/health-insurance/best-disability-insurance-companies/" class="jump-to" data-ecom-link='{"clickText":"Best Disability Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/best-disability-insurance-companies\/","clickType":"internal","referenceText":"Find The Best Health Insurance"}' >Best Disability Insurance</a> </li> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/health-insurance/best-health-insurance-companies/" class="jump-to" data-ecom-link='{"clickText":"Best Health Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/best-health-insurance-companies\/","clickType":"internal","referenceText":"Find The Best Health Insurance"}' >Best Health Insurance</a> </li> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/health-insurance/best-vision-insurance-companies/" class="jump-to" data-ecom-link='{"clickText":"Best Vision Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/best-vision-insurance-companies\/","clickType":"internal","referenceText":"Find The Best Health Insurance"}' >Best Vision Insurance</a> </li> </ul> <div class="toc-bottom-gradient"></div> </div> </div> </div> <div class="mobile-bottom-gradient "></div> </div> </div> </div> <div class="progress-container"> <div class="progress-bar" id="progressBar"></div> </div> <div class="empty-sec"></div> </div> <div class="test2-wrapper toc-section-content-wrap"> <div class="middle-section"> <div class="widget-above-summary-section wysiwyg-content"><div data-ecom-container='{"componentTitle":"UnitedHealthcare TriTerm Medical Value","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-ecom-container='{"componentTitle":"UnitedHealthcare TriTerm Medical Value","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element featured-widget no-rating card-img-display" data-ecom-product='{"itemId":"1114053","itemName":"UnitedHealthcare TriTerm Medical Value","itemBrand":"My Health Network","itemCategory":"Health Insurance","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"My Health Network","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}' id="unitedhealthcare_triterm_medical_value"> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h3 class="card-title">UnitedHealthcare TriTerm Medical Value</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" data-component-title="Generic Product Widget" data-product-name="UnitedHealthcare TriTerm Medical Value" data-product-category="Featured Partner" data-product-position="NA" data-product-badge="NA" data-product-rating="NA" data-product-offer="Yes" data-wp-postid="1114053" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/myhn.com\/p\/AwR42GhL\/?keyword=best-short-term-health-insurance-companies","partnerName":"My Health Network"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/UHC_Umark_GRIC_Hz_Reg_Blu_RGB.png" alt="UnitedHealthcare TriTerm Medical Value"></a></div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">Easy application available now </p> <div class="fact-value-wrapper"> <p class="fact-value">Embrace robust coverage and an extensive network of health care professionals</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Plan duration </p> <div class="fact-value-wrapper"> <p class="fact-value">Nearly 3 years of coverage</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Deductible options </p> <div class="fact-value-wrapper"> <p class="fact-value">$2,500, $5,000, $7,500, $10,000, $12,500, $15,000</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" data-component-title="Generic Product Widget" data-product-name="UnitedHealthcare TriTerm Medical Value" data-product-category="Featured Partner" data-product-position="NA" data-product-badge="NA" data-product-rating="NA" data-product-offer="Yes" data-wp-postid="1114053" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/myhn.com\/p\/AwR42GhL\/?keyword=best-short-term-health-insurance-companies","partnerName":"My Health Network"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/UHC_Umark_GRIC_Hz_Reg_Blu_RGB.png" alt="UnitedHealthcare TriTerm Medical Value"></a></div> <div class="btn-wrap contact-btn-wrap"><a href="tel:18668532794" class="apply-now c-button add-generic-widget-tid-attribute track-type" rel="nofollow" data-cta-text="Call Now" data-link-placement="Button Link" data-url="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" data-component-title="Generic Product Widget" data-product-name="UnitedHealthcare TriTerm Medical Value" data-product-category="Featured Partner" data-product-position="NA" data-product-badge="NA" data-product-rating="NA" data-product-offer="Yes" data-wp-postid="1114053" data-product-id="NA" data-product-segment="NA" data-ecom-link='{"clickText":"Call Now","clickCat":"Primary","clickUrl":"tel:18668532794","clickType":"external"}' ><span class="img-wrap-contact"><img decoding="async" loading="lazy" width="14" height="14" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/phone.svg" alt="call icon"></span><span>Call Now </span></a></p> <div class="secure-site-txt"></div> </div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" data-component-title="Generic Product Widget" data-product-name="UnitedHealthcare TriTerm Medical Value" data-product-category="Featured Partner" data-product-position="NA" data-product-badge="NA" data-product-rating="NA" data-product-offer="Yes" data-wp-postid="1114053" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/myhn.com\/p\/AwR42GhL\/?keyword=best-short-term-health-insurance-companies","partnerName":"My Health Network"}' ><span>Learn More </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Via ShortTermHealthInsurance.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="Easy application available now"> <div class="fact-value-wrapper"> <p class="fact-value">Embrace robust coverage and an extensive network of health care professionals</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Plan duration"> <div class="fact-value-wrapper"> <p class="fact-value">Nearly 3 years of coverage</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Deductible options"> <div class="fact-value-wrapper"> <p class="fact-value">$2,500, $5,000, $7,500, $10,000, $12,500, $15,000</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div 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15.356C5.11749 15.4569 5.1367 15.4425 5.1367 15.7257C5.1367 15.8841 5.1511 15.9658 5.17991 15.9802C5.24232 16.0042 11.2675 16.009 11.3299 15.9802C11.4115 15.9465 11.4067 15.5049 11.3251 15.4617C11.2915 15.4425 11.0898 15.404 10.8738 15.3704C10.6577 15.3368 10.4177 15.284 10.3457 15.2504C9.95201 15.0776 9.73117 14.6023 9.64955 13.7429C9.59194 13.1284 9.54393 11.9906 9.54393 11.1504V10.3823L9.9088 10.3919C10.6914 10.4159 11.0946 10.4591 11.2579 10.5311C11.6131 10.6896 11.8964 11.1216 12.0452 11.7313L12.122 12.0578L12.4005 12.0674L12.6789 12.077V7.98184L12.4005 7.99144L12.122 8.00104L12.0404 8.3227C11.882 8.95162 11.6275 9.3357 11.2483 9.51333C11.0946 9.58534 10.9842 9.60455 10.6145 9.62855C10.3697 9.64295 10.0288 9.65736 9.85119 9.65736H9.53433V8.63956C9.53433 7.62177 9.58714 5.46136 9.62555 5.1253L9.64475 4.94766Z" fill="white" /> </svg></p> <h2 class="eat-heading"> Why You Can Trust Forbes Advisor </h2> </p></div> </p></div> <div style="display: none"> <div class="eat-wrapper right-section-enabled left-section-enabled"> <div class="left-section"> <p><span data-sheets-root="1">Our editors are committed to bringing you unbiased ratings and information. <strong>Advertisers do not and cannot influence our ratings.</strong> We use data-driven methodologies to evaluate insurance companies, so all companies are measured equally. </span>You can read more about our <a href="https://www.forbes.com/advisor/about-us/#editorial_policies" target="_blank" rel="noopener"data-ecom-link='{"clickText":"editorial guidelines","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/about-us\/#editorial_policies","clickType":"internal"}'>editorial guidelines</a> and the <a href="#methodology_section"data-ecom-link='{"clickText":"methodology","clickCat":"Primary","clickUrl":"#methodology_section","clickType":"external"}'>methodology</a> for the ratings below.</p> </p></div> <div class="right-section"> <ul> <li>75 short-term health insurance quotes analyzed</li> <li>40 short-term coverage data points evaluated</li> <li>108 years of insurance experience on the editorial team</li> <li>Unbiased editorial teams</li> </ul></div> </p></div> </p></div> </p></div> </p></div> </div> </div> <div id="summary_best_short_term_health_insurance_companies_section" class="article-section toc-section-element toc-element " > <h2>Summary: Best Short-Term Health Insurance Companies</h2> <div class="section-content wysiwyg-content blue-bullets "> <div class="mkpl-shortcode-instance variation-2" data-custom-value="mkpl-tables-1353145" data-variation="variation-2" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'> <div class="mkpl-mobile-table-container" style="display: none"> <div class="mkpl-table-inner-container"> <div class="mkpl-mobile-table-scroll"> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/myhn.com\/p\/AwR42GhL\/?keyword=best-short-term-health-insurance-companies","partnerName":"My Health Network"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/02/UnitedHealthcare_logo.svg-1.png" class="mkpl-product-image" alt="UnitedHealthcare" /></a></div><div class="mkpl-product-name primary-font"><a href="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"UnitedHealthcare","clickUrl":"https:\/\/myhn.com\/p\/AwR42GhL\/?keyword=best-short-term-health-insurance-companies","partnerName":"My Health Network"}' >UnitedHealthcare</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/myhn.com\/p\/AwR42GhL\/?keyword=best-short-term-health-insurance-companies","partnerName":"My Health Network"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font">Via ShortTermHealthInsurance.com</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Our Expert Take </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><span style="color: #0000ff;"><a style="color: #0000ff;" href="#unitedhealthcare_section">Best for prescription drug benefits</a></span></div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Top-scoring Short-term Health Plan </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">Copay Select Max</div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Average Monthly Premium </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">$234</div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://pivothealth.dclzbw.net/c/1955282/878871/5484" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/pivothealth.dclzbw.net\/c\/1955282\/878871\/5484","partnerName":"Impact"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/04/image-removebg-preview.png" class="mkpl-product-image" alt="Pivot Health" /></a></div><div class="mkpl-product-name primary-font"><a href="https://pivothealth.dclzbw.net/c/1955282/878871/5484" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Pivot Health","clickUrl":"https:\/\/pivothealth.dclzbw.net\/c\/1955282\/878871\/5484","partnerName":"Impact"}' >Pivot Health</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://pivothealth.dclzbw.net/c/1955282/878871/5484" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/pivothealth.dclzbw.net\/c\/1955282\/878871\/5484","partnerName":"Impact"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font">On Pivot Health's Website</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Our Expert Take </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><span style="color: #0000ff;"><a style="color: #0000ff;" href="#pivot_health_section">Best for 0% coinsurance option</a></span></div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Top-scoring Short-term Health Plan </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">Epic Base</div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Average Monthly Premium </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">$120</div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2023/09/Everest-removebg-preview.png" class="mkpl-product-image" alt="Everest" /></div><div class="mkpl-product-name primary-font">Everest</div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Our Expert Take </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><span style="color: #0000ff;"><a style="color: #0000ff;" href="#everest_section">Best for low out-of-pocket costs</a></span></div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Top-scoring Short-term Health Plan </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">Flex Term Health Insurance</div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Average Monthly Premium </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">$150</div> </div> </div> </div> </div> <div class="mkpl-table-caption"> <span>Premiums reflect the average for a 30-year-old woman who is a nonsmoker for the three lowest quotes in these cities: Orlando, Florida, Phoenix and El Paso, Texas.</span> </div> </div> </div> <div class="mkpl-desktop-table-container" style="display: none" id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="6" class="mkpl-simple_tables table style-1" style="text-align: left"> <tr class="thead" style=""> <th style="text-align: left" class="primary-font"> Company </th> <th style="text-align: left" class="primary-font"> Forbes Advisor Rating </th> <th style="text-align: left" class="primary-font"> Our expert take </th> <th style="text-align: left" class="primary-font"> Top-scoring short-term health plan </th> <th style="text-align: left" class="primary-font"> Average monthly premium </th> <th style="text-align: left" class="primary-font"> Learn More </th> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/myhn.com\/p\/AwR42GhL\/?keyword=best-short-term-health-insurance-companies","partnerName":"My Health Network"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/02/UnitedHealthcare_logo.svg-1.png" class="mkpl-product-image" alt="UnitedHealthcare" /></a></div><div class="mkpl-product-name primary-font"><a href="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"UnitedHealthcare","clickUrl":"https:\/\/myhn.com\/p\/AwR42GhL\/?keyword=best-short-term-health-insurance-companies","partnerName":"My Health Network"}' >UnitedHealthcare</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><span style="color: #0000ff;"><a style="color: #0000ff;" href="#unitedhealthcare_section">Best for prescription drug benefits</a></span></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Copay Select Max</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$234</div> </td> <td class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/myhn.com\/p\/AwR42GhL\/?keyword=best-short-term-health-insurance-companies","partnerName":"My Health Network"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font">Via ShortTermHealthInsurance.com</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://pivothealth.dclzbw.net/c/1955282/878871/5484" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/pivothealth.dclzbw.net\/c\/1955282\/878871\/5484","partnerName":"Impact"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/04/image-removebg-preview.png" class="mkpl-product-image" alt="Pivot Health" /></a></div><div class="mkpl-product-name primary-font"><a href="https://pivothealth.dclzbw.net/c/1955282/878871/5484" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Pivot Health","clickUrl":"https:\/\/pivothealth.dclzbw.net\/c\/1955282\/878871\/5484","partnerName":"Impact"}' >Pivot Health</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><span style="color: #0000ff;"><a style="color: #0000ff;" href="#pivot_health_section">Best for 0% coinsurance option</a></span></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Epic Base</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$120</div> </td> <td class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://pivothealth.dclzbw.net/c/1955282/878871/5484" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/pivothealth.dclzbw.net\/c\/1955282\/878871\/5484","partnerName":"Impact"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font">On Pivot Health's Website</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2023/09/Everest-removebg-preview.png" class="mkpl-product-image" alt="Everest" /></div><div class="mkpl-product-name primary-font">Everest</div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><span style="color: #0000ff;"><a style="color: #0000ff;" href="#everest_section">Best for low out-of-pocket costs</a></span></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Flex Term Health Insurance</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$150</div> </td> <td class=" product-cta" > </td> </tr> </table> <div class="mkpl-table-navigation-arrows"> <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <div class="mkpl-table-caption"> <span>Premiums reflect the average for a 30-year-old woman who is a nonsmoker for the three lowest quotes in these cities: Orlando, Florida, Phoenix and El Paso, Texas.</span> </div> <button type="button" class="primary-font" id="seeMoreBtn" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button type="button" class="primary-font" id="seeLessBtn" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div><p> </p> </div> </div> <hr/> <div id="the_best_short_term_health_insurance_companies_section" class="article-section toc-section-element toc-element " > <h2>The Best Short-Term Health Insurance Companies</h2> <div class="section-content wysiwyg-content blue-bullets "> </div> </div> <hr/> <div id="unitedhealthcare_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-ecom-container='{"componentTitle":"UnitedHealthcare","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-ecom-container='{"componentTitle":"UnitedHealthcare","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element card-img-display" data-ecom-product='{"itemId":"1085123","itemName":"UnitedHealthcare","itemBrand":"My Health Network","itemCategory":"Health Insurance","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"My Health Network","coupon":"","secondaryCallout":"","starRatings":5,"initialCost":0,"subscriptionCost":0}' id="unitedhealthcare"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR PRESCRIPTION DRUG COVERAGE</h2> <h3 class="card-title">UnitedHealthcare</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" data-component-title="Generic Product Widget" data-product-name="UnitedHealthcare" data-product-category="Best Short-Term Health Insurance Companies of 2021" data-product-position="NA" data-product-badge="BEST FOR PRESCRIPTION DRUG COVERAGE" data-product-rating="5" data-product-offer="No" data-wp-postid="1085123" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/myhn.com\/p\/AwR42GhL\/?keyword=best-short-term-health-insurance-companies","partnerName":"My Health Network"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/02/UnitedHealthcare_logo.svg.png" alt="UnitedHealthcare"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">5.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 100%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings are calculated based on fees, rates, rewards and other category-specific attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">Top-scoring short-term health plan </p> <div class="fact-value-wrapper"> <p class="fact-value">Copay Select Max</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Coverage maximum options </p> <div class="fact-value-wrapper"> <p class="fact-value">$2 million lifetime</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Deductible options </p> <div class="fact-value-wrapper"> <p class="fact-value">$2,500, $5,000, $7,500, $10,000, $12,500</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" data-component-title="Generic Product Widget" data-product-name="UnitedHealthcare" data-product-category="Best Short-Term Health Insurance Companies of 2021" data-product-position="NA" data-product-badge="BEST FOR PRESCRIPTION DRUG COVERAGE" data-product-rating="5" data-product-offer="No" data-wp-postid="1085123" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/myhn.com\/p\/AwR42GhL\/?keyword=best-short-term-health-insurance-companies","partnerName":"My Health Network"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/02/UnitedHealthcare_logo.svg.png" alt="UnitedHealthcare"></a></div> <div class="btn-wrap contact-btn-wrap"><a href="tel:18669690517" class="apply-now c-button add-generic-widget-tid-attribute track-type" rel="nofollow" data-cta-text="Call Now" data-link-placement="Button Link" data-url="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" data-component-title="Generic Product Widget" data-product-name="UnitedHealthcare" data-product-category="Best Short-Term Health Insurance Companies of 2021" data-product-position="NA" data-product-badge="BEST FOR PRESCRIPTION DRUG COVERAGE" data-product-rating="5" data-product-offer="No" data-wp-postid="1085123" data-product-id="NA" data-product-segment="NA" data-ecom-link='{"clickText":"Call Now","clickCat":"Primary","clickUrl":"tel:18669690517","clickType":"external"}' ><span class="img-wrap-contact"><img decoding="async" loading="lazy" width="14" height="14" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/phone.svg" alt="call icon"></span><span>Call Now </span></a></p> <div class="secure-site-txt"></div> </div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="See Plans" data-link-placement="Button Link" data-url="https://myhn.com/p/AwR42GhL/?keyword=best-short-term-health-insurance-companies" data-component-title="Generic Product Widget" data-product-name="UnitedHealthcare" data-product-category="Best Short-Term Health Insurance Companies of 2021" data-product-position="NA" data-product-badge="BEST FOR PRESCRIPTION DRUG COVERAGE" data-product-rating="5" data-product-offer="No" data-wp-postid="1085123" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/myhn.com\/p\/AwR42GhL\/?keyword=best-short-term-health-insurance-companies","partnerName":"My Health Network"}' ><span>See Plans </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Via ShortTermHealthInsurance.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="Top-scoring short-term health plan"> <div class="fact-value-wrapper"> <p class="fact-value">Copay Select Max</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Coverage maximum options"> <div class="fact-value-wrapper"> <p class="fact-value">$2 million lifetime</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Deductible options"> <div class="fact-value-wrapper"> <p class="fact-value">$2,500, $5,000, $7,500, $10,000, $12,500</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab active" data-ecom-misc-click='{"clickText":"Editors\u2019 Take","clickType":"Accordion","referenceText":"UnitedHealthcare"}'>Editors’ Take </div> <div class="c-tab--content list-points"> <p>We appreciate Copay Select Max’s prescription drug coverage, which isn’t standard in many short-term health insurance plans. The company has a huge provider network of 1.4 million physicians and healthcare professionals, and over 6,500 hospitals and medical facilities.</p> <p><strong>Related: </strong><a href="https://www.forbes.com/advisor/health-insurance/unitedhealthcare-insurance-review/">UnitedHealthcare Health Insurance Review</a></p> <ul> <li>Offers prescription drug benefits with a $25 copay for common (Tier 1) prescriptions with higher tiers costing more.</li> <li>Wide provider network of medical professionals, hospitals and facilities.</li> <li>Lifetime coverage maximum of $2 million is more generous than competitors.</li> <li>You can also buy standard health, dental and vision coverage through UnitedHealthcare.</li> </ul> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Expert\u2019s Take","clickType":"Accordion","referenceText":"UnitedHealthcare"}'>Expert’s Take </div> <div class="c-tab--content list-points"> <p>UnitedHealthcare is one of the largest providers of health insurance in the United States, offering a wide range of products including short-term health insurance. Their benefit design is comprehensive and offers decent coverage for basic medical needs. One thing that stands out about UnitedHealthcare is its focus on preventive care and wellness programs. This can be beneficial for individuals looking to maintain their overall health and well-being. However, one downside of UnitedHealthcare’s short-term health insurance plans is the limited availability. These plans are not offered in all states and may not be an option for individuals living in certain areas.</p> <p style="font-size: 14px;">– Evan Tunis, president of Florida Healthcare Insurance and a licensed health insurance broker</p> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Drawbacks","clickType":"Accordion","referenceText":"UnitedHealthcare"}'>Drawbacks </div> <div class="c-tab--content list-points"> <ul> <li>More expensive than competitors.</li> <li>Coinsurance level (30%) is higher than other companies.</li> </ul> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"State Availability","clickType":"Accordion","referenceText":"UnitedHealthcare"}'>State Availability </div> <div class="c-tab--content list-points"> <ul> <li>Alabama</li> <li>Arkansas</li> <li>Arizona</li> <li>Florida</li> <li>Georgia</li> <li>Iowa</li> <li>Indiana</li> <li>Kentucky</li> <li>Louisiana</li> <li>Missouri</li> <li>Mississippi</li> <li>North Carolina</li> <li>Nebraska</li> <li>Oklahoma</li> <li>South Carolina</li> <li>Tennessee</li> <li>Texas</li> <li>West Virginia</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="pivot_health_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-ecom-container='{"componentTitle":"Pivot Health","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-ecom-container='{"componentTitle":"Pivot Health","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-ecom-product='{"itemId":"1085148","itemName":"Pivot Health","itemBrand":"Impact","itemCategory":"Health Insurance","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Impact","coupon":"","secondaryCallout":"","starRatings":5,"initialCost":0,"subscriptionCost":0}' id="pivot_health"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR 0% COINSURANCE OPTION</h2> <h3 class="card-title">Pivot Health</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://pivothealth.dclzbw.net/c/1955282/878871/5484" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://pivothealth.dclzbw.net/c/1955282/878871/5484" data-component-title="Generic Product Widget" data-product-name="Pivot Health" data-product-category="Best Short-Term Health Insurance Companies of 2021" data-product-position="NA" data-product-badge="BEST FOR 0% COINSURANCE OPTION" data-product-rating="5" data-product-offer="No" data-wp-postid="1085148" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/pivothealth.dclzbw.net\/c\/1955282\/878871\/5484","partnerName":"Impact"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/image-removebg-preview.png" alt="Pivot Health"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">5.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 100%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings are calculated based on fees, rates, rewards and other category-specific attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">Top-scoring short-term health plan </p> <div class="fact-value-wrapper"> <p class="fact-value">Epic Base</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Coverage maximum options </p> <div class="fact-value-wrapper"> <p class="fact-value">$500,000 or $1 million</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Deductible options </p> <div class="fact-value-wrapper"> <p class="fact-value">$5,000, $10,000, $15,000, $20,000</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://pivothealth.dclzbw.net/c/1955282/878871/5484" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://pivothealth.dclzbw.net/c/1955282/878871/5484" data-component-title="Generic Product Widget" data-product-name="Pivot Health" data-product-category="Best Short-Term Health Insurance Companies of 2021" data-product-position="NA" data-product-badge="BEST FOR 0% COINSURANCE OPTION" data-product-rating="5" data-product-offer="No" data-wp-postid="1085148" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/pivothealth.dclzbw.net\/c\/1955282\/878871\/5484","partnerName":"Impact"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/image-removebg-preview.png" alt="Pivot Health"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://pivothealth.dclzbw.net/c/1955282/878871/5484" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="See Plans" data-link-placement="Button Link" data-url="https://pivothealth.dclzbw.net/c/1955282/878871/5484" data-component-title="Generic Product Widget" data-product-name="Pivot Health" data-product-category="Best Short-Term Health Insurance Companies of 2021" data-product-position="NA" data-product-badge="BEST FOR 0% COINSURANCE OPTION" data-product-rating="5" data-product-offer="No" data-wp-postid="1085148" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/pivothealth.dclzbw.net\/c\/1955282\/878871\/5484","partnerName":"Impact"}' ><span>See Plans </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">On Pivot Health's Website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="Top-scoring short-term health plan"> <div class="fact-value-wrapper"> <p class="fact-value">Epic Base</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Coverage maximum options"> <div class="fact-value-wrapper"> <p class="fact-value">$500,000 or $1 million</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Deductible options"> <div class="fact-value-wrapper"> <p class="fact-value">$5,000, $10,000, $15,000, $20,000</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab active" data-ecom-misc-click='{"clickText":"Editors\u2019 Take","clickType":"Accordion","referenceText":"Pivot Health"}'>Editors’ Take </div> <div class="c-tab--content list-points"> <p>We like that Pivot Health’s Epic Base policy offers low costs and that its only coinsurance offering is 0%, which means the plan picks up all the costs for covered services once you reach your deductible. Pivot also allows you to buy optional prescription drug coverage, which many short-term plans don’t offer.</p> <ul> <li>One of the cheapest short-term health insurance policies in our analysis.</li> <li>Prescription drug benefits are possible.</li> <li>Approves short-term coverage within five minutes for those who qualify, according to the company.</li> </ul> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Expert Take","clickType":"Accordion","referenceText":"Pivot Health"}'>Expert Take </div> <div class="c-tab--content list-points"> <p>Pivot Health is a relatively new player in the short-term health insurance market. They offer plans with flexible terms and coverage options, making them a popular choice for those who need temporary health insurance. One thing to note about Pivot Health is that their plans may have lower premiums compared to other companies, but it’s important to carefully review their benefit design as it may not provide as much coverage as other plans. Additionally, their availability is limited to certain states.</p> <p style="font-size: 14px;">– Evan Tunis, president of Florida Healthcare Insurance, a licensed health insurance broker</p> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Drawbacks","clickType":"Accordion","referenceText":"Pivot Health"}'>Drawbacks </div> <div class="c-tab--content list-points"> <ul> <li>Coverage maximum of $500,000 or $1 million is lower than competitors.</li> <li>One of the deductible options ($20,000) is higher than other companies, which means higher out-of-pocket costs if you have claims.</li> </ul> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"State Availability","clickType":"Accordion","referenceText":"Pivot Health"}'>State Availability </div> <div class="c-tab--content list-points"> <ul> <li>Alabama</li> <li>Arizona</li> <li>Arkansas</li> <li>Delaware</li> <li>Florida</li> <li>Georgia</li> <li>Idaho</li> <li>Illinois</li> <li>Indiana</li> <li>Iowa</li> <li>Kentucky</li> <li>Louisiana</li> <li>Michigan</li> <li>Mississippi</li> <li>Missouri</li> <li>Nebraska</li> <li>Nevada</li> <li>North Carolina</li> <li>Ohio</li> <li>Oklahoma</li> <li>Oregon</li> <li>Tennessee</li> <li>Texas</li> <li>Virginia</li> <li>Washington, D.C.</li> <li>West Virginia</li> <li>Wisconsin</li> <li>Wyoming</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="everest_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-ecom-container='{"componentTitle":"Everest","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-ecom-container='{"componentTitle":"Everest","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-ecom-product='{"itemId":"1085166","itemName":"Everest","itemBrand":"","itemCategory":"Health Insurance","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":5,"initialCost":0,"subscriptionCost":0}' id="everest"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR LOW OUT-OF-POCKET COSTS</h2> <h3 class="card-title">Everest</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/09/Everest-removebg-preview.png" alt="Everest"></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">5.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 100%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings are calculated based on fees, rates, rewards and other category-specific attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">Top-scoring short-term health plan </p> <div class="fact-value-wrapper"> <p class="fact-value">Flex Term Health Insurance</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Coverage maximum options </p> <div class="fact-value-wrapper"> <p class="fact-value">$250,000, $750,000, $1 million, $1.5 million</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Deductible options </p> <div class="fact-value-wrapper"> <p class="fact-value">$1,000, $2,500, $5,000, $7,500, $10,000</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/09/Everest-removebg-preview.png" alt="Everest"></div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="Top-scoring short-term health plan"> <div class="fact-value-wrapper"> <p class="fact-value">Flex Term Health Insurance</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Coverage maximum options"> <div class="fact-value-wrapper"> <p class="fact-value">$250,000, $750,000, $1 million, $1.5 million</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Deductible options"> <div class="fact-value-wrapper"> <p class="fact-value">$1,000, $2,500, $5,000, $7,500, $10,000</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab active" data-ecom-misc-click='{"clickText":"Editors\u2019 Take","clickType":"Accordion","referenceText":"Everest"}'>Editors’ Take </div> <div class="c-tab--content list-points"> <p>We like Everest’s Flex Term Health Insurance policy for its excellent prices. The policy also offers more coverage maximum, deductible and coinsurance options than competitors.</p> <ul> <li>Four coinsurance options, including 0% coinsurance.</li> <li>Five deductible options.</li> <li>Four coverage maximum options, including as high as $1.5 million.</li> </ul> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Expert\u2019s Take","clickType":"Accordion","referenceText":"Everest"}'>Expert’s Take </div> <div class="c-tab--content list-points"> <p>Everest is a notable health insurance provider with a strong focus on customer satisfaction. Their plans offer comprehensive coverage for both basic and major medical needs, making them a top choice for individuals who need temporary health insurance. Everest has the advantage of being widely available in most states, which makes it easier for people to access their plans. However, one drawback is that their plans may have higher premiums when compared to other companies.</p> <p style="font-size: 14px;">– Evan Tunis, president of Florida Healthcare Insurance, a licensed health insurance broker</p> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Drawbacks","clickType":"Accordion","referenceText":"Everest"}'>Drawbacks </div> <div class="c-tab--content list-points"> <ul> <li>Doesn’t typically cover prescription drugs unless you’re hospitalized.</li> </ul> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"State Availability","clickType":"Accordion","referenceText":"Everest"}'>State Availability </div> <div class="c-tab--content list-points"> <ul> <li>Alabama</li> <li>Arizona</li> <li>Arkansas</li> <li>Florida</li> <li>Georgia</li> <li>Illinois</li> <li>Indiana</li> <li>Kentucky</li> <li>Louisiana</li> <li>Mississippi</li> <li>Missouri</li> <li>Nebraska</li> <li>Nevada</li> <li>North Carolina</li> <li>Ohio</li> <li>Oklahoma</li> <li>Oregon</li> <li>South Carolina</li> <li>South Dakota</li> <li>Tennessee</li> <li>Texas</li> <li>Virginia</li> <li>West Virginia</li> <li>Wisconsin</li> <li>Wyoming</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="what_is_short_term_health_insurance_section" class="article-section toc-section-element toc-element " > <h2>What Is Short-Term Health Insurance?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Short-term health insurance offers limited coverage for up to three months in most states, with the chance to extend the plan for another month for a total of four months in a 12-month period. The federal government reduced the previous length of one year with an option of up to three years in September 2024. Some states don’t allow short-term plans or restrict the length of coverage.</p> <p>Short-term health insurance plans aren’t regulated by the <a href="https://www.forbes.com/advisor/health-insurance/what-is-obamacare/"data-ecom-link='{"clickText":"Affordable Care Act (ACA)","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/what-is-obamacare\/","clickType":"internal"}'>Affordable Care Act (ACA)</a>, so you can be denied based on pre-existing conditions. And these plans don’t have to cover the minimum “essential health benefits” mandated by the law. ACA benefits that are standard in regular <a href="https://www.forbes.com/advisor/health-insurance/best-health-insurance-companies/"data-ecom-link='{"clickText":"health insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/best-health-insurance-companies\/","clickType":"internal"}'>health insurance</a> include inpatient and outpatient care, mental health services, prescription drug coverage and maternity care. Since short-term plans don’t have to offer this coverage you may have trouble finding a short-term health plan that does.</p> <p>Short-term health insurance plans also generally have caps on how much the insurer will pay for certain services or in total.</p> </div> </div> <hr/> <div id="short_term_health_insurance_laws_by_state_section" class="article-section toc-section-element toc-element " > <h2>Short-Term Health Insurance Laws by State</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>The federal government now allows short-term health coverage for three months with the option to increase coverage for one more month in a 12-month period, but some states ban short-term coverage or limit coverage to three months max.</p> <p><iframe id="datawrapper-chart-T7eni" style="width: 0; min-width: 100% !important; border: none;" title="How Long Can You Have a Short-Term Health Insurance Plan?" src="https://datawrapper.dwcdn.net/T7eni/2/" height="512" frameborder="0" scrolling="no" aria-label="Map" data-external="1"></iframe><script type="text/javascript">!function(){"use strict";window.addEventListener("message",(function(a){if(void 0!==a.data["datawrapper-height"]){var e=document.querySelectorAll("iframe");for(var t in a.data["datawrapper-height"])for(var r=0;r<e.length;r++)if(e[r].contentWindow===a.source){var i=a.data["datawrapper-height"][t]+"px";e[r].style.height=i}}}))}(); </script></p> </div> </div> <hr/> <div id="how_do_you_qualify_for_short_term_health_insurance_section" class="article-section toc-section-element toc-element " > <h2>How Do You Qualify For Short-Term Health Insurance?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>You can apply for a short-term health insurance policy at any time of year if your state allows short-term coverage.</p> <p>You can be denied coverage based on your health, unlike standard health insurance. On the application you’ll likely answer yes/no questions about medical conditions.</p> <p>A short-term health company could approve a policy but deny covering claims associated with pre-existing health issues. Insurers review claims to check whether the healthcare services were connected to pre-existing conditions. If they find a pre-existing condition is causing health problems, they could reject the claim or even drop your coverage at any time.</p> <section id="How-Do-You-Choose-A-Short-Term-Health-Insurance-Plan" class="ask-the-expert-block exclude-eds ate-block-id-105279467b66eb9a557b p-16px pt-12px border-askTheExpert-accent border-t-4 shadow-askTheExpertBlock rounded-12px text-black900 lg:p-40px lg:pt-36px my-20px lg:my-24px" data-ecom-container='{"componentTitle":"How Do You Choose A Short-Term Health Insurance Plan?","componentType":"Ask The Expert"}'> <div class="ask-the-expert-titles-wrapper font-euclidcircularb"> <p class="ate-widget-subheading">Ask an expert</p> <h2 class="ate-widget-main-heading">How Do You Choose A Short-Term Health Insurance Plan?</h2> </p></div> <div class="flex flex-col lg:flex-row lg:h-254px"> <div class="expert-card-wrapper flex overflow-x-auto rounded-4px mb-4px lg:flex-col lg:mb-0 lg:mr-4px lg:flex-1 lg:max-w-320px"> <div id="author_01052952" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 active" data-card='01052952' data-parent-id='105279467b66eb9a557b' data-ecom-misc-click='{"clickText":"Laura Adams","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/Laura-Adams-Headshot-2024-Laura-Adams.jpeg alt="Laura Adams" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Laura Adams</p> <p class="expert-designation">Credit Cards Expert</p> </p></div> </p></div> <div id="author_1992787" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 " data-card='1992787' data-parent-id='105279467b66eb9a557b' data-ecom-misc-click='{"clickText":"Les Masterson","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson.jpg alt="Les Masterson" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Les Masterson</p> <p class="expert-designation">Insurance Editor</p> </p></div> </p></div> <div id="author_2992707" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 " data-card='2992707' data-parent-id='105279467b66eb9a557b' data-ecom-misc-click='{"clickText":"Amy Danise","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2020/03/Amy-Danise-bio.jpg alt="Amy Danise" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Amy Danise</p> <p class="expert-designation">Insurance Managing Editor</p> </p></div> </p></div> <div id="author_3992748" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 " data-card='3992748' data-parent-id='105279467b66eb9a557b' data-ecom-misc-click='{"clickText":"Michelle Megna","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna.jpeg alt="Michelle Megna" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Michelle Megna</p> <p class="expert-designation">Insurance Lead Editor</p> </p></div> </p></div> </p></div> <div class="expert-details-wrapper flex overflow-hidden rounded-4px bg-askTheExpert-activeTab w-full"> <div id="authorContent_01052952" class="expert-details-content flex"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3">Understand which doctors are covered</h3> <div class="expert-description pr-8px"> <p>If you need a temporary, budget-friendly health policy, a short-term health plan can be a solution. Since these policies typically include a network of healthcare providers, be sure you understand which doctors and hospitals are covered so you get the maximum plan benefits.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-ecom-link='{"clickText":"Laura Adams","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/Laura-Adams-Headshot-2024-Laura-Adams.jpeg alt="Laura Adams" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" target="_blank" data-ecom-link='{"clickText":"Laura Adams","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}'>Laura Adams</a></p> <p class="expert-designation">Credit Cards Expert</p> </p></div> </p></div> </p></div> </p></div> <div id="authorContent_1992787" class="expert-details-content none"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3">Know the policy’s length</h3> <div class="expert-description pr-8px"> <p>I suggest making sure you understand how long a short-term plan will last and whether it’s renewable. Short-term insurers can choose to make plans renewable and can set short policy lengths. That can play a part in which short-term plan you choose.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-ecom-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson.jpg alt="Les Masterson" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-ecom-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a></p> <p class="expert-designation">Insurance Editor</p> </p></div> </p></div> </p></div> </p></div> <div id="authorContent_2992707" class="expert-details-content none"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3">Weigh pros and cons for a high deductible</h3> <div class="expert-description pr-8px"> <p>The plan’s deductible and coinsurance affect your out-of-pocket costs. I would choose a high deductible if you want a cheap, safety net plan, but go with a lower deductible and coinsurance if you expect to make more claims.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/author/adanise/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-ecom-link='{"clickText":"Amy Danise","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/adanise\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2020/03/Amy-Danise-bio.jpg alt="Amy Danise" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/author/adanise/" target="_blank" data-ecom-link='{"clickText":"Amy Danise","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/adanise\/","clickType":"internal"}'>Amy Danise</a></p> <p class="expert-designation">Insurance Managing Editor</p> </p></div> </p></div> </p></div> </p></div> <div id="authorContent_3992748" class="expert-details-content none"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3">Evaluate prescription drug coverage</h3> <div class="expert-description pr-8px"> <p>Many short-term plans don’t cover prescriptions. If that coverage is important to you, I’d suggest focusing on short-term plans with prescription drug coverage, such the UnitedHealthcare and Pivot Health plans highlighted on this page.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-ecom-link='{"clickText":"Michelle Megna","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna.jpeg alt="Michelle Megna" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" data-ecom-link='{"clickText":"Michelle Megna","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'>Michelle Megna</a></p> <p class="expert-designation">Insurance Lead Editor</p> </p></div> </p></div> </p></div> </p></div> </p></div> </p></div> </section> </div> </div> <hr/> <div id="how_much_does_short_term_health_insurance_cost_section" class="article-section toc-section-element toc-element " > <h2>How Much Does Short-Term Health Insurance Cost?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>The average cost for short-term health insurance is $171 a month, according to our analysis of eight policies.</p> <p>We found costs as low as about $100 a month for barebones coverage to over $200 a month for coverage with prescription drug coverage. Short-term health insurers may promote coverage for under $100 a month, but you want to carefully read the print to understand what is and isn’t covered by cheaper short-term plans.</p> <p>What you’re charged for short-term health insurance can vary by:</p> <ul> <li>Your age, gender and health.</li> <li>Tobacco use.</li> <li>Where you live.</li> <li>Coverage maximum.</li> <li>How many people are covered by your plan.</li> <li>Out-of-pocket costs, including coinsurance and deductible.</li> </ul> </div> </div> <hr/> <div id="average_monthly_short_term_health_insurance_costs_by_plan_section" class="article-section toc-section-element toc-element " > <h2>Average Monthly Short-Term Health Insurance Costs by Plan</h2> <div class="section-content wysiwyg-content blue-bullets "> <div class="mkpl-shortcode-instance default variation-1" data-custom-value="mkpl-tables-" data-variation="variation-1" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="3" class="mkpl-simple_tables table style-1" style="text-align: left"> <tr class="thead" style="background-color: #4657A1 !important"> <th style="text-align: left" class="primary-font"> Company </th> <th style="text-align: left" class="primary-font"> Policy name </th> <th style="text-align: left" class="primary-font"> Average monthly short-term health insurance cost </th> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Pivot Health</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Economy</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$107</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Pivot Health</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Choice</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$118</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Pivot Health</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Epic Base</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$120</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Everest</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Flex Term</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$150</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">UnitedHealthcare</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Hospital & Surgical</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$162</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">UnitedHealthcare</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">TriTerm Value</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$198</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">UnitedHealthcare</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Copay Select Max</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$234</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Pivot Health</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Deluxe</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$277</div> </td> </tr> </table> <div> <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <div class="mkpl-table-caption"> <span>Source: Forbes Advisor research. Rates reflect the average for a 30-year-old woman who is a nonsmoker for the three lowest quotes in these cities: Orlando, Florida, Phoenix and El Paso, Texas.</span> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div> </div> </div> <hr/> <div id="what_does_short_term_health_insurance_cover_section" class="article-section toc-section-element toc-element " > <h2>What Does Short-Term Health Insurance Cover?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Short-term health insurance plans don’t have to follow ACA rules, which means there can be a significant difference between what one policy covers compared to another.</p> <p>Short-term health insurance plans may cover:</p> <div id="footable_parent_1033347" class=" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table"></p> <table data-ninja_table_instance="ninja_table_instance_0" data-footable_id="1033347" data-filter-delay="1000" aria-label="What Does Short-Term Health Insurance Cover?" id="footable_1033347" data-unique_identifier="ninja_table_unique_id_1449397477_1033347" class=" foo-table ninja_footable foo_table_1033347 ninja_table_unique_id_1449397477_1033347 ui table nt_type_legacy_table compact vertical_centered ninja_custom_color inverted footable-paging-right hide_all_borders ninjatable_hide_header_row ninja_table_search_disabled ninja_table_pro"></p> <colgroup> <col class="ninja_column_0 "> <col class="ninja_column_1 "> </colgroup> <thead> <tr class="footable-header"> <th scope="col" class="ninja_column_0 ninja_clmn_nm_ninja "></th> <th scope="col" class="ninja_column_1 ninja_clmn_nm_nin "></th> </tr> </thead> <tbody> <tr data-row_id="190020" class="ninja_table_row_0 nt_row_id_190020"> <td> <p align="center"><img decoding="async" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/image2-2.png" alt="Doctor visits" width="100" height="100" class="alignnone size-full wp-image-1033351" /></td> <td>Doctor visits</td> </tr> <tr data-row_id="190021" class="ninja_table_row_1 nt_row_id_190021"> <td> <p align="center"><img decoding="async" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/image4.png" alt="Emergency care" width="100" height="100" class="alignnone wp-image-1033352 size-full" /></td> <td>Emergency care</td> </tr> <tr data-row_id="190022" class="ninja_table_row_2 nt_row_id_190022"> <td> <p align="center"><img decoding="async" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/image3.png" alt="Preventive care" width="100" height="100" class="alignnone size-full wp-image-1033355" /></td> <td>Preventive care</td> </tr> <tr data-row_id="190023" class="ninja_table_row_3 nt_row_id_190023"> <td> <p align="center"><img decoding="async" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/image1-3.png" alt="Urgent care" width="100" height="100" class="alignnone size-full wp-image-1033356" /></td> <td>Urgent care</td> </tr> </tbody> <p> </table> <style type="text/css" id='ninja_table_custom_css_1033347'> #footable_1033347 { font-family: inherit; 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min-width: 150px;}#footable_parent_1033347 .table tbody tr td:first-child { border-left: 1px solid #A1ACE6;}#footable_parent_1033347 .table tbody tr td:last-child { border-right: 1px solid #A1ACE6;}#footable_parent_1033347 .table tbody tr:nth-child(odd) { background: #F4F6FC;}#footable_parent_1033347 .table tbody tr:nth-child(even) { background: #fff;}#footable_parent_1033347 tr.footable-header, #footable_parent_1033347 tr.footable-header th { font-weight: 600; font-size: 18px; font-family: EuclidCircularB, sans-serif; line-height: 18px; color: #FFFFFF;}#footable_parent_1033347 tbody h1, #footable_parent_1033347 tbody h2, #footable_parent_1033347 tbody h3, #footable_parent_1033347 tbody h4, #footable_parent_1033347 tbody h5, #footable_parent_1033347 tbody h6 { margin-bottom: 0;}#footable_parent_1033347 tbody td { font-weight: 500; font-size: 18px; line-height: 32px; color: #333333;}#footable_parent_1033347 tbody .learn-more-btn { color: rgba(255, 255, 255, 1); background: #35B782; box-shadow: 0px 4px 12px rgba(0, 0, 0, 0.2); border-radius: 8px; margin-bottom: 8px; min-width: 180px; text-align: center; font-size: 16px;}#footable_parent_1033347 tbody .company-row img { margin-left: auto; margin-right: auto; margin-bottom: 10px; display: block;}#footable_parent_1033347 tbody .company-txt { font-weight: 500; font-size: 18px; line-height: 28px; color: #395BB6;}#footable_parent_1033347 tbody .learn-more-below-text { font-size: 12px; line-height: 15px; color: #333333;}#footable_parent_1033347 tbody .fb-rating-nt-img img { height: 19px;}#footable_parent_1033347 tbody .fb-rating-nt-wrapper h2 { font-size: 32px;}#footable_parent_1033347 tbody .ninja_clmn_nm_best_for, #footable_parent_1033347 tbody .ninja_clmn_nm_federal_filing_fee, #footable_parent_1033347 tbody .ninja_clmn_nm_state_filing_fee { vertical-align: baseline;}#footable_parent_1033347 tbody .learn-more-nt-column { text-align: center;}#footable_parent_1033347 tbody span:empty { display: none;}#footable_parent_1033347 tbody tr:last-child td { border-bottom: 1px solid #A1ACE6;}@media (max-width: 1023px) { #footable_parent_1033347 tbody .company-txt, #footable_parent_1033347 tbody .ninja_clmn_nm_best_for, #footable_parent_1033347 tbody .ninja_clmn_nm_federal_filing_fee, #footable_parent_1033347 tbody .ninja_clmn_nm_state_filing_fee { font-weight: 500; font-size: 16px; line-height: 28px; } #footable_parent_1033347 tbody .fb-rating-nt-wrapper h2 { font-size: 24px; }}#footable_1033347 td.ninja_column_0 { text-align: center; }#footable_1033347 th.ninja_column_0 { text-align: center; } </style> </div> </div> </div> <hr/> <div id="what_does_short_term_health_insurance_not_cover_section" class="article-section toc-section-element toc-element " > <h2>What Does Short-Term Health Insurance Not Cover?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Short-term health insurance plans aren’t governed by Affordable Care Act requirements, so each company decides what it does not cover. Make sure to check the policy for lists of exclusions. Examples of typical exclusions are:</p> <div id="footable_parent_1033363" class=" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table"></p> <table data-ninja_table_instance="ninja_table_instance_1" data-footable_id="1033363" data-filter-delay="1000" aria-label="What Does Short-Term Health Insurance Not Cover?" id="footable_1033363" data-unique_identifier="ninja_table_unique_id_1762767283_1033363" class=" foo-table ninja_footable foo_table_1033363 ninja_table_unique_id_1762767283_1033363 ui table nt_type_legacy_table compact vertical_centered ninja_custom_color inverted footable-paging-right hide_all_borders ninjatable_hide_header_row ninja_table_search_disabled ninja_table_pro"></p> <colgroup> <col class="ninja_column_0 "> <col class="ninja_column_1 "> </colgroup> <thead> <tr class="footable-header"> <th scope="col" class="ninja_column_0 ninja_clmn_nm_ninja "></th> <th scope="col" class="ninja_column_1 ninja_clmn_nm_nin "></th> </tr> </thead> <tbody> <tr data-row_id="190024" class="ninja_table_row_0 nt_row_id_190024"> <td> <p align="center"><img decoding="async" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/image9.png" alt="Maternity" width="100" height="100" class="alignnone size-full wp-image-1033364" /></td> <td>Maternity </td> </tr> <tr data-row_id="190025" class="ninja_table_row_1 nt_row_id_190025"> <td> <p align="center"><img decoding="async" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/image10.png" alt="Mental health" width="100" height="100" class="alignnone size-full wp-image-1033365" /></td> <td>Mental health </td> </tr> <tr data-row_id="190026" class="ninja_table_row_2 nt_row_id_190026"> <td> <p align="center"><img decoding="async" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/image6.png" alt="Substance abuse" width="100" height="100" class="alignnone size-full wp-image-1033366" /></td> <td>Substance abuse</td> </tr> <tr data-row_id="190027" class="ninja_table_row_3 nt_row_id_190027"> <td> <p align="center"><img decoding="async" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/image8.png" alt="Prescriptions" width="100" height="100" class="alignnone wp-image-1033368 size-full" /></td> <td>Prescriptions. A short-term plan may offer a discount card so you can get cheaper drugs but the plan doesn’t actually help pay for them</td> </tr> </tbody> <p> </table> <style type="text/css" id='ninja_table_custom_css_1033347'> #footable_1033347 { font-family: inherit; font-size: 14px; }#footable_1033347,#footable_1033347 table { background-color: !important; color: !important; border-color: !important;}#footable_1033347 thead tr.footable-filtering th { background-color: !important; color: !important;}#footable_1033347:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; }#footable_1033347 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important;}#footable_1033347 tr.footable-header, #footable_1033347 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(57, 91, 182, 1) !important; color: 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8px; min-width: 180px; text-align: center; font-size: 16px;}#footable_parent_1033363 tbody .company-row img { margin-left: auto; margin-right: auto; margin-bottom: 10px; display: block;}#footable_parent_1033363 tbody .company-txt { font-weight: 500; font-size: 18px; line-height: 28px; color: #395BB6;}#footable_parent_1033363 tbody .learn-more-below-text { font-size: 12px; line-height: 15px; color: #333333;}#footable_parent_1033363 tbody .fb-rating-nt-img img { height: 19px;}#footable_parent_1033363 tbody .fb-rating-nt-wrapper h2 { font-size: 32px;}#footable_parent_1033363 tbody .ninja_clmn_nm_best_for, #footable_parent_1033363 tbody .ninja_clmn_nm_federal_filing_fee, #footable_parent_1033363 tbody .ninja_clmn_nm_state_filing_fee { vertical-align: baseline;}#footable_parent_1033363 tbody .learn-more-nt-column { text-align: center;}#footable_parent_1033363 tbody span:empty { display: none;}#footable_parent_1033363 tbody tr:last-child td { border-bottom: 1px solid #A1ACE6;}@media 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lg:p-40px lg:pt-36px my-20px lg:my-24px" data-ecom-container='{"componentTitle":"We Answer Your Questions","componentType":"Ask The Expert"}'> <div class="ask-the-expert-titles-wrapper font-euclidcircularb"> <p class="ate-widget-subheading">Ask an expert</p> <h2 class="ate-widget-main-heading">We Answer Your Questions</h2> </p></div> <div class="flex flex-col lg:flex-row lg:h-254px"> <div class="expert-card-wrapper flex overflow-x-auto rounded-4px mb-4px lg:flex-col lg:mb-0 lg:mr-4px lg:flex-1 lg:max-w-320px"> <div id="author_0992748" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 active" data-card='0992748' data-parent-id='114846767b66eb9d1696' data-ecom-misc-click='{"clickText":"Michelle Megna","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna.jpeg alt="Michelle Megna" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Michelle Megna</p> <p class="expert-designation">Insurance Lead Editor</p> </p></div> </p></div> <div id="author_11055644" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 " data-card='11055644' data-parent-id='114846767b66eb9d1696' data-ecom-misc-click='{"clickText":"Jason Metz","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2020/01/Jason-Metz-headshot-scaled-e1621974639148.jpg alt="Jason Metz" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Jason Metz</p> <p class="expert-designation">Insurance Lead Editor</p> </p></div> </p></div> <div id="author_2992707" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 " data-card='2992707' data-parent-id='114846767b66eb9d1696' data-ecom-misc-click='{"clickText":"Amy Danise","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2020/03/Amy-Danise-bio.jpg alt="Amy Danise" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Amy Danise</p> <p class="expert-designation">Insurance Managing Editor</p> </p></div> </p></div> <div id="author_3992787" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 " data-card='3992787' data-parent-id='114846767b66eb9d1696' data-ecom-misc-click='{"clickText":"Les Masterson","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson.jpg alt="Les Masterson" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Les Masterson</p> <p class="expert-designation">Insurance Editor</p> </p></div> </p></div> </p></div> <div class="expert-details-wrapper flex overflow-hidden rounded-4px bg-askTheExpert-activeTab w-full"> <div id="authorContent_0992748" class="expert-details-content flex"> <div class="ate-top-content flex flex-col justify-between"> <div> <h4 class="expert-description-title">Does short-term health insurance cover prescriptions? </h4> <div class="expert-description pr-8px"> <p><em>–</em><em>Michael I., Portsmouth, New Hampshire</em></p> <p>Short-term health insurance plans don’t have to cover prescriptions, and you may have trouble finding one that does. If you find a plan with prescription coverage like UnitedHealthcare’s Copay Select Max or Pivot Health’s Epic Base, I’d suggest making sure that your specific medications are covered.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-ecom-link='{"clickText":"Michelle Megna","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna.jpeg alt="Michelle Megna" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" data-ecom-link='{"clickText":"Michelle Megna","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'>Michelle Megna</a></p> <p class="expert-designation">Insurance Lead Editor</p> </p></div> </p></div> </p></div> </p></div> <div id="authorContent_11055644" class="expert-details-content none"> <div class="ate-top-content flex flex-col justify-between"> <div> <h4 class="expert-description-title">How soon can you start using a short-term health plan after buying coverage? </h4> <div class="expert-description pr-8px"> <p><em>-Mona S., Pecos, Texas</em></p> <p>I’ve seen UnitedHealthcare say that short-term health insurance coverage can start as soon as you buy coverage. A short-term health insurance company may also allow you to buy a policy but set coverage to start at a later date. This might be needed if you know you’re losing coverage soon but don’t need a short-term plan now.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/author/jmetz/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-ecom-link='{"clickText":"Jason Metz","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jmetz\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2020/01/Jason-Metz-headshot-scaled-e1621974639148.jpg alt="Jason Metz" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/author/jmetz/" target="_blank" data-ecom-link='{"clickText":"Jason Metz","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jmetz\/","clickType":"internal"}'>Jason Metz</a></p> <p class="expert-designation">Insurance Lead Editor</p> </p></div> </p></div> </p></div> </p></div> <div id="authorContent_2992707" class="expert-details-content none"> <div class="ate-top-content flex flex-col justify-between"> <div> <h4 class="expert-description-title">Is short-term health insurance a good alternative to COBRA?</h4> <div class="expert-description pr-8px"> <p><em>-Nancy S., Bismarck, North Dakota</em></p> <p>Short-term health insurance is usually a much cheaper option than COBRA health insurance, but you get many fewer benefits with short-term coverage. You can only buy short-term coverage for a short period if your state even allows those plans. That said, if you lose your job and don’t typically need many healthcare services, a short-term plan could be a low-cost solution until you’re eligible for coverage from a new employer.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/author/adanise/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-ecom-link='{"clickText":"Amy Danise","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/adanise\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2020/03/Amy-Danise-bio.jpg alt="Amy Danise" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/author/adanise/" target="_blank" data-ecom-link='{"clickText":"Amy Danise","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/adanise\/","clickType":"internal"}'>Amy Danise</a></p> <p class="expert-designation">Insurance Managing Editor</p> </p></div> </p></div> </p></div> </p></div> <div id="authorContent_3992787" class="expert-details-content none"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3">Do all doctors accept short-term health insurance?</h3> <div class="expert-description pr-8px"> <p><em><span style="font-weight: 400;">Gloria S., Flagstaff, Arizona</span></em></p> <p>Similar to standard health insurance, short-term health plans generally have provider networks. If you get care outside of that network, you generally pay a higher percentage or all of the costs for that out-of-network care. That’s why it’s important to review a plan’s provider network before buying it.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-ecom-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson.jpg alt="Les Masterson" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-ecom-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a></p> <p class="expert-designation">Insurance Editor</p> </p></div> </p></div> </p></div> </p></div> </p></div> </p></div> </section> </div> </div> <div id="methodology_section" class="article-section toc-section-element toc-element " > <h2>Methodology</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>To identify the best short-term health insurance companies, we evaluated companies based on average monthly cost, coverage and out-of-pocket costs:</p> <p><strong>Short-term health insurance rates (25% of score)</strong>: We compared quotes for a 30-year-old woman who is a nonsmoker for three cities: Orlando, Florida, Phoenix and El Paso, Texas. We took the three lowest quotes for each plan in each city and came up with an average.</p> <p><strong>Coverage maximum (25% of score)</strong>: Unlike standard health insurance, a short-term health insurance plan has maximum coverage, either lifetime or annual, which is the most the company will pay for an individual’s care.</p> <p><strong>Deductible (20% of score)</strong>: Short-term health insurance companies often offer multiple <a href="https://www.forbes.com/advisor/health-insurance/what-is-a-health-insurance-deductible/"data-ecom-link='{"clickText":"health insurance deductible","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/what-is-a-health-insurance-deductible\/","clickType":"internal"}'>health insurance deductible</a> levels. Plans with more options got more points in our analysis.</p> <p><strong>Coinsurance (15% of score)</strong>: <a href="https://www.forbes.com/advisor/health-insurance/coinsurance/"data-ecom-link='{"clickText":"Coinsurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/coinsurance\/","clickType":"internal"}'>Coinsurance</a> is the percentage you pay for healthcare services after you reach your plan’s deductible. The insurer picks up the rest of the bill until you reach the coverage limit. Lower coinsurance levels mean less money out of pocket, so we gave those plans more points.</p> <p><strong>Prescription drug coverage (15% of score)</strong>: Many short-term health insurance plans don’t offer prescription drug benefits or only give a discount card for members. 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cta-builder__wrap px-5 lg:px-0"> <div class="left lg:mb-0 lg:mr-40px lg:ml-23px"> <p class="sticky-cta-heading-text text-center lg:text-left text-333333 font-bold text-2xl leading-8 font-euclidcircularb-bold"> Need Short-Term Health Insurance? </p> <div class="cta-sub-heading-text leading-6 text-333333 mt-1 font-georgia mb-0">Get quotes fast from leading insurers.</div> </p></div> <div class="right" data-ecom-product='{"itemId":"","itemName":"Need Short-Term Health Insurance?","itemBrand":"","itemCategory":"Health Insurance","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'> <a href="https://shorttermhealthinsurance.com/uhc/?utm_source=forbes&utm_medium=cpc&utm_campaign=short_term_uhc&keyword=best-short-term-health-insurance-companies " target="_blank" data-nofollow="true" data-title="Need Short-Term Health Insurance?" data-description="Get quotes fast from leading insurers." data-cta-text="Get A Quote" data-component="Sticky CTA with Blue Background" data-cta-placement="Button Link" data-automatic-numbering="" class="cta-builder__btn cta-builder-button" style="background-color:" data-ecom-link='{"clickText":"Get A Quote","clickCat":"Primary","clickUrl":"https:\/\/shorttermhealthinsurance.com\/uhc\/?utm_source=forbes&utm_medium=cpc&utm_campaign=short_term_uhc&keyword=best-short-term-health-insurance-companies","clickType":"external"}'> Get A Quote </a></p> <p class="below-cta-text">Via ShortTermHealthInsurance.com</p> </p></div> </p></div> </div> </div> </div> <hr/> <div id="other_short_term_health_insurance_plans_we_rated_section" class="article-section toc-section-element toc-element " > <h2>Other Short-Term Health Insurance Plans We Rated</h2> <div class="section-content wysiwyg-content blue-bullets "> <div class="mkpl-shortcode-instance default variation-1" data-custom-value="mkpl-tables-" data-variation="variation-1" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="3" class="mkpl-simple_tables table style-1" style="text-align: left"> <tr class="thead" style="background-color: #4657A1 !important"> <th style="text-align: left" class="primary-font"> Company </th> <th style="text-align: left" class="primary-font"> Policy name </th> <th style="text-align: left" class="primary-font"> Forbes Advisor rating </th> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">UnitedHealthcare</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Hospital & Surgical</div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container " data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.5</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div> </div> </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">UnitedHealthcare</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">TriTerm Value</div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container " data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.5</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div> </div> </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Pivot Health</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Pivot Health Choice</div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container " data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg" alt="" /></div></div> </div> </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Pivot Health</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Pivot Health Economy</div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container " data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg" alt="" /></div></div> </div> </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Pivot Health</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Pivot Health Deluxe</div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container " data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg" alt="" /></div></div> </div> </div> </td> </tr> </table> <div> <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div> </div> </div> <hr/><div id="best_short_term_health_insurance_faqs_section" class="faq-section article-section toc-section-element toc-element"> <h2 class="title"> Best Short-Term Health Insurance FAQs </h2> <div class="main-faqs faq-2021 faq-v2" data-ecom-container='{"componentTitle":"Best Short-Term Health Insurance FAQs","componentType":"FAQ Component"}'> <div class="faqs" data-ecom-misc-click='{"clickText":"What are the pros and cons of short-term health insurance?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What are the pros and cons of short-term health insurance?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Short-term health insurance offers low-cost, limited coverage if you have a coverage gap, but detractors often call the plans junk health insurance because they lack many coverage types found in regular health insurance.</p> <p> </p> <p>Pros of short-term health insurance are its low cost, you can apply for a plan at any time, you can get coverage quickly and you may have more flexibility to decide on your out-of-pocket costs compared to a standard health insurance plan. Cons include that short-term plans don’t typically offer coverage that is in standard health insurance plans, don’t generally cover pre-existing conditions and you can be denied.</p> </div> </div> <div class="faqs" data-ecom-misc-click='{"clickText":"What is the difference between COBRA and short-term health insurance? ","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What is the difference between COBRA and short-term health insurance? </h3> </div> <div class="faq-answer wysiwyg-content"> <p><a href="https://www.forbes.com/advisor/health-insurance/what-is-cobra-insurance/">COBRA insurance</a> and short-term health insurance both let you have coverage for a limited time but they differ in many ways.</p> <p> </p> <p>The COBRA law requires insurers to provide a temporary continuation of your same health insurance. There is a major drawback, though: The employer will likely no longer cover part of the monthly premium. You instead have to pay the full premium, plus an administrative fee.</p> <p> </p> <p>Short-term health insurance isn’t connected to your employment. Short-term plans also don’t typically cost anywhere near what COBRA does, but you don’t get comprehensive coverage typically found in an employer plan.</p> </div> </div> <div class="faqs" data-ecom-misc-click='{"clickText":"Who needs short-term health insurance?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Who needs short-term health insurance?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>A short-term health insurance plan might make sense if you can’t find <a href="https://www.forbes.com/advisor/health-insurance/best-affordable-health-insurance/">affordable health insurance</a> anywhere or you will soon have health insurance, such as starting a new job. It could also work as an emergency stopgap if you were recently laid off and can’t afford <a href="https://www.forbes.com/advisor/health-insurance/what-is-cobra-insurance/">COBRA insurance</a>.</p> </div> </div> <div class="faqs" data-ecom-misc-click='{"clickText":"How can I get short-term health insurance?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">How can I get short-term health insurance?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>You can get short-term health insurance directly from the company if your state allows those plans.</p> <p> </p> <p>Unlike the Affordable Care Act health insurance marketplace at HealthCare.gov, you’re not able to compare short-term plans available in your area in one location. You instead have to go directly to each company to get details.</p> </div> </div> </div> </div> <hr/><div class="article-section next-up-section" data-ecom-container='{"componentTitle":"Next Up In Health Insurance","componentType":"Next Up Section"}'> <h2>Next Up In Health Insurance</h2> <div class="section-content wysiwyg-content blue-bullets"> <ul> <li><a href="https://www.forbes.com/advisor/health-insurance/best-health-insurance-companies/" target="_blank" rel="noopener" data-ecom-link='{"clickText":"Best Health Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/best-health-insurance-companies\/","clickType":"internal"}'>Best Health Insurance</a></li> <li><a href="https://www.forbes.com/advisor/health-insurance/best-affordable-health-insurance/" target="_blank" rel="noopener" data-ecom-link='{"clickText":"Best Affordable Health Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/best-affordable-health-insurance\/","clickType":"internal"}'>Best Affordable Health Insurance</a></li> <li><a href="https://www.forbes.com/advisor/health-insurance/how-much-is-obamacare/" target="_blank" rel="noopener" data-ecom-link='{"clickText":"How Much Is Obamacare?","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/how-much-is-obamacare\/","clickType":"internal"}'>How Much Is Obamacare?</a></li> <li><a href="https://www.forbes.com/advisor/health-insurance/dental-insurance/best-dental-insurance-companies/" target="_blank" rel="noopener" data-ecom-link='{"clickText":"Best Dental Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/dental-insurance\/best-dental-insurance-companies\/","clickType":"internal"}'>Best Dental Insurance</a></li> <li><a href="https://www.forbes.com/advisor/health-insurance/how-much-does-health-insurance-cost/" target="_blank" rel="noopener" data-ecom-link='{"clickText":"How Much Does Health Insurance Cost?","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/how-much-does-health-insurance-cost\/","clickType":"internal"}'>How Much Does Health Insurance Cost?</a></li> <li><a href="https://www.forbes.com/advisor/health-insurance/how-to-get-health-insurance/" target="_blank" rel="noopener" data-ecom-link='{"clickText":"How To Get Health Insurance?","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/how-to-get-health-insurance\/","clickType":"internal"}'>How To Get Health Insurance?</a></li> </ul> </div> </div> <hr class="next-up-bottom-separator"> </div> </div> </div> </div> <style id="style_1_insurance-disclaimer-style">.compliance-disclaimer{margin:20px 0}.compliance-disclaimer .insurance-disclaimer-note{color:#333;font-family:Georgia,Arial,Helvetica,sans-serif;font-size:16px;font-style:italic;line-height:24px}@media (min-width:1024px){.compliance-disclaimer .insurance-disclaimer-note{font-size:18px}}.paid-template-single-sem-co-branded-blade .insurance-disclaimer-wrapper{padding:0 16px}@media (min-width:1024px){.paid-template-single-sem-co-branded-blade .insurance-disclaimer-wrapper{margin:0 auto;max-width:1280px;padding:0 40px}} </style> <div class="wysiwyg-content compliance-disclaimer"> <em class="insurance-disclaimer-note"> Forbes Advisor is not a licensed insurance agency. Insurance offerings are powered by Marketplace P&C LLC, NPN 20753534 and CA Lic. # 6011227. </em> </div> <div class="article__editors-note article__editors-note-bottom"> Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.<br/> <br/> Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="contrib bottom-contrib-block"> <style> .article__author-bio-top .author__block{display: flex; align-items: center;} .article__author-bio-top .author__block-content { font-family: 'Work Sans', sans-serif;} .article__author-bio-top .author__block-content .author__block-name{padding-right: 10px; font-weight: 500;} .article__author-bio-top .author__block-content .author__block-role{margin-left: 0; width:auto; max-width: 100%; white-space: nowrap; overflow: hidden; text-overflow: ellipsis;} .article__author-bio-bottom > p > a { color: #003891;} .article__author-bio-bottom > p > a:hover { text-decoration: underline;} .article__author-bio-bottom > p > strong, .article__author-bio-bottom > p > b { font-weight: bold;} .article__author-bio-bottom > p > s, .article__author-bio-bottom > p > strike { text-decoration: strike-through;} </style> <div class="article__author-bio" data-ecom-container='{"componentTitle":"","componentType":"Author Bio"}'> <div class="single-author"> <div class="article__author-bio-top"> <div class="author__block author__block-no-border author__block-no-margin"> <div class="author__block-image-wrap"> <a href="https://www.forbes.com/advisor/author/lmasterson/" title="Les Masterson" target="_blank" data-ecom-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'> <img class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 photo" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" width="64" height="64" alt="Les Masterson" > </a> </div> <div class="author__block-content"> <div class="author-heading"> <a href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" class="author__block-name" data-ecom-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a> </div> <span class="author__block-role">Deputy Editor, Insurance</span> </div> </div> </div> <div class="article__author-bio-bottom"> <p> Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before covering insurance, Les was a news editor and reporter for Patch and Community Newspaper Company and also covered health care, mortgages, credit cards and personal loans for multiple websites. </p> </div> </div>  <div class="single-author"> <div class="article__author-bio-top"> <div class="author__block author__block-no-border author__block-no-margin"> <div class="author__block-image-wrap"> <a href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" title="Laura D. Adams, MBA" target="_blank" data-ecom-link='{"clickText":"Laura D. Adams, MBA","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}'> <img loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/100x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/Laura-Adams-Headshot-2024-Laura-Adams.jpeg" width="64" height="64" alt="Laura D. Adams, MBA" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 photo avatar-default"> </a> </div> <div class="author__block-content"> <div class="author-heading"> <a href="https://www.forbes.com/advisor/advisory-board/credit-cards/laura-d-adams-mba/" target="_blank" class="author__block-name" data-ecom-link='{"clickText":"Laura D. Adams, MBA","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/credit-cards\/laura-d-adams-mba\/","clickType":"internal"}'>Laura D. Adams, MBA</a> </div> <span class="author__block-role">Insurance and Credit Card Expert</span> </div> </div> </div> <div class="article__author-bio-bottom"> <p> Insurance and credit cards expert Laura Adams is one of the nation’s leading personal finance and small business authorities. As an award-winning author of multiple books, keynote speaker, host of the "Money Girl" podcast (more than 42 million downloads) since 2008, and founder of The Money Stack newsletter, Laura offers practical advice that benefits millions of readers, listeners and loyal fans. She was named one of Empower's "Top 50 Women in Personal Finance" in 2018.<br> <br> Laura's podcast inspired her first book, "Money Girl's Smart Moves to Grow Rich," which won the 2011 EIFLE (Excellence in Financial Literacy Education) award. Her latest title, "Money-Smart Solopreneur: A Personal Finance System for Freelancers, Entrepreneurs, and Side-Hustlers" (Entrepreneur Press), was an Amazon No. 1 new release.<br> <br> Laura is a trusted source for national media outlets, which frequently seek her practical advice on insurance, credit cards and various other financial topics for TV, radio, online articles and print publications. She’s been featured on most major news outlets including ABC, Bloomberg, CBS, Consumer Reports, Forbes, Fortune, Fox, Money, MSN, NBC, NPR, The New York Times, USA Today, U.S. News & World Report, The Wall Street Journal and The Washington Post.<br> <br> Her mission is to empower consumers to live healthy and rich lives by making the most of what they have, planning for the future, and making smart money decisions. </p> </div> </div> </div> </div> <div class="article_published_date" style="font-family:'Work Sans',sans-serif;font-size: 12px;line-height: 18px;color: #929A9B;margin: 20px 0;"> </div> <style id="style_1_article-feedback-style">.feedback-rating-box{display:flex;margin-bottom:20px}@media screen and (max-width:576px){.feedback-rating-box{margin-bottom:26px}}.feedback-rating-box .feedback-rating-container{direction:rtl!important}.feedback-rating-box .feedback-rating-container label{color:#fff;cursor:pointer;display:inline-block;font-size:26px!important;text-shadow:-1px 0 #999,0 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Cons include that short-term plans don\u2019t typically offer coverage that is in standard health insurance plans, don\u2019t generally cover pre-existing conditions and you can be denied.<\/p>\n" } },{ "@type": "Question", "name": "What is the difference between COBRA and short-term health insurance? ", "acceptedAnswer": { "@type": "Answer", "text": "<p><a href=\"https:\/\/www.forbes.com\/advisor\/health-insurance\/what-is-cobra-insurance\/\">COBRA insurance<\/a> and short-term health insurance both let you have coverage for a limited time but they differ in many ways.<\/p>\n<p> <\/p>\n<p>The COBRA law requires insurers to provide a temporary continuation of your same health insurance. There is a major drawback, though: The employer will likely no longer cover part of the monthly premium. You instead have to pay the full premium, plus an administrative fee.<\/p>\n<p> <\/p>\n<p>Short-term health insurance isn\u2019t connected to your employment. 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})(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_CLIENT_ID = window?.annotationKey + '_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var clientId = __cookie.get(COOKIE_CLIENT_ID); if(clientId){ userid = clientId; }else{ var prefix = (typeof ecomBase !== 'undefined' && ecomBase?.tidPrefix) ? ecomBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); function detectIsIE(){ var ua = window.navigator.userAgent; var msie = ua.indexOf("MSIE "); // IE browser check if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) { return true; } return false; } document.addEventListener('DOMContentLoaded', function () { //set user id var event; // The 'new Event' code is not supported in IE so update code for IE if(detectIsIE()){ event = document.createEvent('Event'); event.initEvent('tidSet', true, true); } else{ event = new Event('tidSet'); } window.dispatchEvent(event); window.__mpctc = (function(){ return { 'userid': function(){ return __linkTrackingController.getUserIdHash(); }, 'tid': function(){ return (__linkTrackingController.getTrackingIdHash()).tid } } })(); }); </script> <script> window.shortcodesOnPage = ["generic_product_widget","related","cta_builder"]; if(window.dataLayer){ window.dataLayer.push({ 'shortcodesOnPage': window.shortcodesOnPage }); } window.shortcodesPartnersOnPage = []; </script><script type="text/javascript"> var e2e = (function(){ var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var analyticsParams = { pageview_event: 'pageview', bankrate_event: 'bankrate', page_template: 'Top N Non-CC - 2021', tid: __linkTrackingController.USER_ID_HASH, session_pageview_count: '1', original_tracking_param: '', original_tracking_param_value: '', referrer_host: '', referrer_url: document.referrer, author_name: 'Les Masterson', author_role: 'Deputy Editor, Insurance', primary_category: 'Health Insurance', secondary_category: '', published_date: 'March 4, 2024', updated_date: 'Feb 3, 2025', ra_feed_enabled: 0 }; /** * Logs Event to Database * @param args */ function log(args){ var analyticsData = args || {}; var wp_action = { 'token': 'b04d819c3f', 'action': 'e2e_logging', }; var data = Object.assign({},wp_action,analyticsData); if( Object.keys(analyticsData).length !== 0 ){ fetch('https://www.forbes.com/advisor/wp-admin/admin-ajax.php', { method: "POST", body: new URLSearchParams(data).toString(), headers: { "Content-type": "application/x-www-form-urlencoded; charset=UTF-8" } }) } } /** * Sets GTAG User ID */ function setGtagUserId(){ gtag('set', {'user_id': __linkTrackingController.USER_ID_HASH}); } /** * Logs Page View Event to database * @param a */ function logPageView(a){ var args = a || {}; var event = ( args.hasOwnProperty('event') && !!args.event ) ? args.event : analyticsParams.pageview_event; log({ event: event, template: analyticsParams.page_template, tid: analyticsParams.tid, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, }); } /** * Check for a valid html element * @param element */ function isElement(element) { return element instanceof Element || element instanceof HTMLDocument; } /** * Sends Page View Event to analytics * @param params */ function sendPageviewEvent(params){ window.dataLayer.push({ 'cd': { 'ReferrerHost': analyticsParams.referrer_host, 'ReferrerUrl': analyticsParams.referrer_url } }); } /** * Sends Multiple (Total 2) Page View Events to analytics in 10 seconds interval */ function sendPageviewEventMultiple(){ var statusCount = 1; var totalExecCount = 2; var initialTime = 10; var increment = 10; var eventName = analyticsParams.pageview_event; var recursiveAnalyticscall = setInterval(function(){ var newEventName = eventName + '-' + initialTime; sendPageviewEvent({event:newEventName}); if( statusCount === totalExecCount ){ clearInterval(recursiveAnalyticscall); } initialTime += increment; statusCount++; },10000); } function e2eSendPageView(){ sendPageviewEvent(); // sendPageviewEventMultiple(); } /** * Gets host name from a url string * @param url * @returns {string} */ function getHostName(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return url; } /** * Logs bankrate click event to database */ function logBankrateEvent(){ log({ event: analyticsParams.bankrate_event, cc_name: analyticsParams.cc_name, info: analyticsParams.cta_info, placement: analyticsParams.cta_placement, template: analyticsParams.page_template, tid: analyticsParams.tracking_id, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, product_id : analyticsParams.product_id, product_position : analyticsParams.product_position }); } /** * Sends Bankrate click Event to analytics */ function sendBankrateEvent(){ window.dataLayer.push({ 'cd': { 'BankrateClickCardName': analyticsParams.cc_name, 'BankrateClickCTA': analyticsParams.cta_info, 'ProductType': analyticsParams.product_type, 'ProductId': analyticsParams.product_id, 'BankrateClickPosition': analyticsParams.product_position, 'CardCategoryTabName': analyticsParams.card_category_tab_name, } }); } function sendBankrateClickEvent(targetEl) { if(isElement(targetEl) && targetEl.tagName.toLowerCase() === 'a'){ var href = targetEl.getAttribute('href'); var host_name = getHostName(href); if (!!host_name && ( host_name === E2E_HOST || host_name === BANKRATE_HOST ) ) { var card_name = targetEl.getAttribute('data-cc-name'); var card_info = targetEl.getAttribute('data-cta-info'); var card_placement = targetEl.getAttribute('data-cta-placement'); var product_type = targetEl.getAttribute('data-product'); var product_id = targetEl.getAttribute('data-product-id'); var tracking_id = targetEl.getAttribute('data-tid'); var product_position = targetEl.getAttribute('data-position'); var card_category_tab_name = targetEl.getAttribute('data-tab-name'); analyticsParams.cc_name = !!card_name ? card_name : targetEl.innerText; analyticsParams.cta_info = !!card_info ? card_info : ''; analyticsParams.cta_placement = !!card_placement ? card_placement : ''; analyticsParams.product_type = !!product_type ? product_type : ''; analyticsParams.product_id = !!product_id ? product_id : ''; analyticsParams.tracking_id = tracking_id; analyticsParams.product_position = product_position; analyticsParams.card_category_tab_name = !!card_category_tab_name ? card_category_tab_name : ''; logBankrateEvent(); sendBankrateEvent(); analyticsParams.tracking_id = ''; } } } /** * Handler to handle bankrate clicks * @param e */ function handleBankrateCtaClick(e){ var targetEl = e.target; var el; if( targetEl.tagName.toLowerCase() === 'a' ){ el = targetEl; }else{ if( Element.prototype.closest ){ el = targetEl.closest('a'); } } sendBankrateClickEvent(el); } /** * Add listeners */ function addEvents(){ var trackingElement = document.querySelectorAll('.inarticle-link-tracking'); for(var i = 0; i < trackingElement.length ;i++){ trackingElement[i].addEventListener('click',handleBankrateCtaClick); } } function initPolyfilForClosest(){ if (!Element.prototype.matches) { Element.prototype.matches = 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Best Short-Term Health Insurance Companies Of 2025 – Forbes Advisor