Costs of Short-Term Plans
One reason people choose short-term coverage is the price. Premiums are often much lower than ACA plans—especially if you don’t qualify for subsidies—because they cover less and require health screening. For example, a healthy 30-year-old could find a plan for under $100 a month, while an unsubsidized ACA plan might cost several times that. Most short-term plans have higher deductibles, so they’re designed to protect you from catastrophic expenses, not routine care.
Flexibility and Duration
Florida allows short-term medical coverage for up to 12 months, with the option to reapply. While you can extend coverage, it’s not meant to be a permanent solution. We’ll help you choose a term that lines up with your next coverage milestone—whether that’s the next open enrollment period or the start date of new employer benefits.
Application & Start Date
Short-term health insurance can be active quickly—sometimes the very next day. There’s no restricted enrollment window, and the application process is straightforward. You’ll answer a few health questions, and in many cases, approval is instant.
Our Guidance – Is Short-Term Right for You?
We’ll walk you through the pros and cons so you can decide with confidence. If you qualify for an ACA plan or other affordable option, we’ll explain those too. But if you need coverage now and understand the trade-offs, a short-term plan can give you crucial protection during a vulnerable time.
