Short-term medical insurance helps protect you from unexpected medical bills during gaps in coverage — and we’re highlighting it this month because more people than usual are experiencing coverage breaks due to job changes, income shifts, and enrollment deadlines.

Whether you lost employer coverage, missed Open Enrollment, or simply need temporary protection until your next plan begins, short-term medical can keep you covered when you need it most.

This month, many individuals and families are facing unexpected coverage gaps caused by:

• Job changes or hours reductions
• Delays in employer coverage start dates
• Missed Marketplace enrollment windows
• Waiting periods for new jobs
• Loss of Medicaid or other public benefits

Short-term medical insurance is designed to help you stay protected, avoid large medical bills, and maintain peace of mind while you transition from one major plan to another.

Short-term medical may be right for you if:

• You recently lost employer coverage
• You missed Open Enrollment and don’t qualify for a Special Enrollment Period
• You’re in a waiting period before new job-based insurance begins
• You are between jobs, self-employed, or starting a business
• You need an affordable option for temporary protection

If you’re unsure whether short-term medical is right for your situation, we’ll review your details and give you a clear answer — even if the best option is staying with your current plan.

Short-term medical plans are built to provide essential protection during temporary coverage gaps. They can help you:

• Protect your budget from unexpected ER, urgent care, or hospitalization costs
• Bridge the gap until employer, Marketplace, or Medicare coverage begins
• Choose your budget with flexible premiums and deductible options
• Access nationwide providers depending on the plan
• Customize coverage for your timing, needs, and financial goals

• ❌ You pay 100% of any medical bills
• ❌ No protection during emergencies
• ❌ High financial risk

• ✅ Helps protect you from unexpected medical costs during coverage gaps
• ✅ Flexible pricing based on your budget
• ✅ Fast approval — often same-day coverage
• ❌ Not a replacement for ACA-compliant plans
• ❌ Does not include full preventive or maternity benefits

• ✅ Comprehensive, ACA-compliant benefits
• ❌ Only available during enrollment windows or job eligibility
• ❌ May not start immediately, leaving a gap

We make the process simple:

1. Share your details
   We review your current or upcoming coverage and identify the length of your gap.
2. Compare your options
   We prepare a side-by-side comparison including short-term plans, employer options, or Marketplace coverage.
3. Ask your questions
   We explain your choices in plain language — pros, cons, risks, and timing.
4. Enroll with support
   If short-term medical is right for you, we help you choose the best fit and enroll quickly.

No. It provides temporary protection only and does not include all ACA-required benefits.

Yes — most carriers offer same-day or next-day approval.

No. Short-term plans do not affect eligibility for employer coverage or Marketplace subsidies.

Prices vary by age, state, deductible, and length of coverage. Many people find short-term options significantly lower than traditional plans during temporary gaps.

We will recommend the best option for your situation — even if that means sticking with your current plan or choosing a different type of coverage.

We’ll help you compare your options, understand your timing, and make the best decision for your health and budget.

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We’re here to help you stay protected — even during life’s transitions.