Is a short-term bridge the right tool for you?
One test: you can name the date your gap ends. If you can, short-term is built for you — three situations we hear weekly.
Between jobs, and COBRA is too expensive
You left one job in March, the next starts in June. A 90-day plan covers the what-ifs for a fraction of the COBRA premium.
Waiting for new benefits to kick in
Your new employer’s coverage starts after 60 or 90 days. Short-term coverage carries you to day one without betting on luck.
Missed open enrollment, no qualifying event
The ACA window closed in January and reopens in November. A short-term plan keeps you protected until it does.
Built for gaps
Temporary coverage for a defined window — between jobs, plans, or life changes.
Medically underwritten
Application questions apply, and pre-existing conditions are generally not covered.
Terms vary by state
How long you can keep a plan depends on your state’s rules — we confirm before you enroll.
Short-term medical, answered
Answers by our licensed team Reviewed for accuracy Updated July 3, 2026