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Life is unpredictable, and there are times when you may need temporary health insurance coverage. Whether you’re between jobs, waiting for your employer-sponsored benefits to start, or missed Open Enrollment, short-term health insurance can provide the protection you need until you find a long-term solution.
At Simbia, we specialize in helping individuals and families find affordable short-term health insurance plans that bridge the gap during transitions. Our quick and easy quote process helps you compare options, ensuring you get the best coverage at the lowest price.
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Short-term health insurance, also called temporary health insurance, is a flexible, affordable option designed to provide limited medical coverage for a short period—typically 30 days to 12 months, depending on your state’s regulations.
These plans offer a safety net for individuals who need immediate protection but don’t qualify for traditional health insurance at the moment.
Need coverage fast? Get a free quote now and secure a short-term health plan in minutes!
While short-term health insurance is not a replacement for comprehensive ACA plans, it does provide several key advantages for those who need temporary coverage.
Unlike ACA health plans, which require you to enroll during Open Enrollment or a Special Enrollment Period, short-term health insurance can be purchased at any time of the year. Many plans can start as soon as the next day after approval.
Short-term health insurance costs significantly less than ACA-compliant plans. While it doesn’t offer the same level of benefits, it’s a cost-effective option for healthy individuals who need temporary coverage.
Many short-term plans offer access to broad provider networks, allowing you to choose your preferred doctors and hospitals. Unlike some ACA plans that limit provider choices, short-term insurance gives you more flexibility.
Short-term plans can last anywhere from one month to a full year, with the option to renew in some states. This makes them ideal for temporary health coverage needs.
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While short-term health insurance has clear benefits, it’s important to understand its limitations so you can make an informed decision.
Unlike ACA-compliant plans, short-term health insurance does not cover pre-existing conditions. If you have ongoing medical needs, an ACA plan may be a better fit.
Short-term plans typically cover:
However, they do not typically cover:
Short-term health insurance is not meant to be a long-term solution. It’s designed to provide stopgap coverage while you transition to a more comprehensive plan.
However, if you have pre-existing conditions or require long-term medical care, an ACA or private health plan may be a better solution.
| Feature | Short-Term Plans | ACA Health Plans | Private Health Plans |
|---|---|---|---|
| Covers Pre-Existing Conditions? | ❌ No | ✅ Yes | ✅ Varies |
| Includes Preventive Care? | ❌ No | ✅ Yes | ✅ Varies |
| Guaranteed Enrollment? | ❌ No | ✅ Yes (During OEP/SEP) | ✅ Yes |
| Can Enroll Anytime? | ✅ Yes | ❌ No (Only During OEP/SEP) | ✅ Yes |
| Lower Monthly Premiums? | ✅ Yes | ❌ No | ✅ Varies |
| Covers Emergency Medical Care? | ✅ Yes | ✅ Yes | ✅ Yes |
When it comes to your family's health, waiting is not an option. Whether you’re enrolling in a new plan, looking for more affordable coverage, or needing a temporary solution, Simbia is here to help.
At Simbia, we’re committed to helping families find affordable, reliable, and high-quality health insurance. Let’s get started!
Your insurance should not only fit your budget, but it should also give you as much coverage and offer flexible payment terms. It is rather hard to find plans that offer all of those. With us, we are going to make sure you get the best coverage at the best price.
Similar to when you shop online or otherwise, you always have options and it's you who's going to make the final call. It is advised to do some research and read through the agreement prior to signing the papers. Note that health insurance is not a simple purchase, but it's a commitment to your health and your family's health.
Be wise and always keep your options open. There are plenty of options and offerings out there. Be diligent, compare the terms and prices, ask your family and friends if they have some good recommendations. If possible, discuss with a licensed healthcare agent to make sure you get the best deals.
There are tons of health insurance agencies and networks who would want to do business with you. It is advised to go with reputable ones, to make sure you get the most out of your investment and that you won’t get ripped off.