HB Health – Short-Term Health Insurance

Find short-term health insurance plans for less. Keep yourself safe with temporary health coverage.

Enter your ZIP code to find available plans in your area.

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Short-term health insurance offers affordable coverage during life transitions. These plans don’t cover pre-existing conditions but can be a cost-effective option when ACA plans are unavailable. Explore and compare available options below.

Who is Eligible for Short-Term Health Insurance?

Short-term health insurance is designed to cater to a variety of individuals and families who may find themselves in need of temporary, limited healthcare coverage.

Employment Change

Laid off? Job loss? Get covered while in between jobs and employee benefits.

No Obamacare

Can't get major medical coverage? A short-term insurance plan may help.

College Students

Attending college and need insurance? Short-term plans give you coverage when and where you need it.

Frequently Asked Questions

How much does short-term health insurance cost?

Short-term insurance is usually cheaper than major medical. Rates vary by age and location.

Is short-term health insurance worth it?

It can be helpful for healthy individuals needing temporary coverage during transitions.

What does short-term health insurance cover?

It typically covers doctor visits, hospital stays, and emergencies — but not pre-existing conditions or preventive care.

Who qualifies for short-term health insurance?

Generally, U.S. citizens without pre-existing conditions. Some restrictions may apply.

Are there renewal limitations?

Yes. Coverage, including renewals, can't exceed four months in most cases.

Does short-term health insurance cover pre-existing conditions?

No. These plans usually exclude any treatment related to pre-existing conditions.

How long does short-term health insurance last?

Typically 30 to 90 days, depending on state rules and carrier policies.

What’s the difference between short-term health insurance and COBRA?

COBRA keeps your work insurance at a high cost. Short-term plans are separate and more affordable but limited.

Comparing Short-Term Plans vs Major Medical Insurance

Affordable Rates

Compared to other plans, short-term insurance can have low, affordable premiums.

Short-term plans offer a cost-effective option in temporary situations, helping maintain medical coverage without breaking your budget.

Peace of Mind

Don't fly without a safety net. A short-term health insurance plan can help you bridge the coverage gap.

Being covered during transitions can help avoid unexpected medical expenses and unnecessary stress.

Quick Approval

Many applicants are approved and get proof of insurance quickly, sometimes on the spot.

Fast approval helps you get coverage immediately when you need it most.

Get Covered Today with HB Health

At HB Health, we make finding short-term health insurance easy and affordable. Whether you're between jobs, waiting for ACA coverage, or need temporary protection, we've got you covered. Compare plans, get a quote, and enroll quickly — all in one place.

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