Short-Term Medical Insurance Plans

Need to bridge a health insurance coverage gap? A short-term medical insurance plan can help. It provides temporary health insurance to help offset costs if you have a medical emergency unrelated to a pre-existing condition. You can apply for coverage for a specific period—typically 1 month to 364 days (and in some cases, up to 36 months).


You might need a short-term medical plan if...

  • You were laid off or let go, and you need coverage while in between jobs and employee benefits.
  • You are a student and you are waiting for other health insurance to begin.
  • You don't have or can't get major medical coverage.
  • You missed the open enrollment period for ACA plans or for other major medical coverage.
  • You'll be eligible for Medicare soon, but you need coverage to help protect you in the meantime.

Shop and compare short-term medical plans using our online quoting and enrollment platform today.

Enroll Now

Shop and compare short-term medical plans using our online platform.

Shop and Compare Plans →

Or call 844.535.7397 to speak with a benefit representative.

Short-Term Medical Plan Overview

Like major medical insurance, short-term medical plans have monthly premiums, deductibles, co-insurance, co-pays, and out-of-pocket maximums. But unlike major medical insurance, short-term medical plans:

  • Are typically more affordable
  • Offer simplified underwriting for an easier application process
  • Provide fast approval—many applicants receive coverage within a day of applying
  • Include flexible terms—get coverage from 1 month to 364 days (and in some cases, renew up to 36 months)

Get started now using our online quoting and enrollment platform. For your convenience, the Affordable Care Act medical options are also available on this platform. For assistance, call 844.535.7397 to speak with an experienced benefit representative Monday–Friday 6 a.m. to 7 p.m. (PT) and Saturday 9 a.m. to 5 p.m. (PT). You can also contact Belkys Llanes, Member Advocate for AVMA Trust, at 847.241.5083 or belkysllanes@AVMALIFE.com.