Fast approval. Fast coverage.
Most short-term applications approve in minutes, not weeks. Coverage can start the day after you sign, which matters when you've lost a plan and don't want a gap.
Short-Term Medical
Bridge coverage when you need it fast.
Plans starting around $80 a month. Approved the same day. Coverage in days, not weeks.
What's covered
Coverage that earns its monthly premium.
- Doctor visits, hospitalization, urgent care, and lab work.
- Plans from Pivot Health, Allstate Health Solutions, and other short-term carriers.
- Effective dates as soon as tomorrow.
- Coverage from 30 days up to 12 months (where state allows).
- PPO networks so you can usually keep your providers.
- Optional add-ons: dental, vision, telehealth, and prescription.
Why Plansure
Why pick Plansure for short-term medical.
We know which carriers are good.
Short-term medical is the corner of the market with the biggest quality gap. Plansure only writes plans we'd put our own family on.
Honest about the trade-offs.
Short-term plans skip some ACA requirements. We tell you exactly what they don't cover so you can decide if the savings are worth it.
Common questions
Questions most clients ask.
- No. Short-term plans are medically underwritten and don't have to cover every ACA essential health benefit. The premiums are usually lower, but pre-existing conditions can be excluded. A Plansure broker explains the trade-offs before you buy.
- Federal rules now cap initial terms at 4 months in most states, with renewals up to 12 months total. Some states allow longer. We'll quote you the longest term you qualify for.
- It depends. Some conditions are decline-only. Others are coverable with a waiting period or exclusion rider. We tell you what the carrier will actually approve before you apply, so there's no surprise.
- Most healthy applicants pay between $80 and $250 a month. The actual quote depends on age, ZIP, tobacco use, and the deductible you pick. We run multiple deductible scenarios on the call.
Is short-term medical the same as ACA?
How long can I keep it?
Can I get a short-term plan with a pre-existing condition?
How much does it cost?
Stop the coverage gap today.
Three quick questions and a Plansure broker quotes every short-term plan in your state.