Term lengths vary by state; your agent confirms the options in your state.
Why people choose short-term medical insurance
- Apply year-round where plans are sold, with no open-enrollment window to wait for.
- Some plans can start as soon as the day after you’re approved.
- Low premiums.
- PPO network options, including Allstate short-term medical on the Cigna PPO network.
State availability
Availability varies by state, and your agent confirms the options in your state.
Short-term health insurance: when it makes sense
- You're starting a new job and want coverage until the employer plan begins.
- You missed open enrollment and want coverage now.
- You're waiting out a new job's waiting period.
Carriers
We offer short-term medical plans from Golden Rule Insurance Company (UnitedHealthOne) and Allstate short-term medical plans that use the Cigna PPO network where available. Plan terms, durations and availability vary by state.
Temporary health insurance: what to know
Short-term health insurance in Florida is allowed, and some plans start the next day, so you'll see short-term health insurance with immediate coverage advertised.
Talk to a licensed agent today. Call (813) 724-3314 (Monday–Saturday 8 AM–9 PM ET, Sunday closed) or Get your free quote in about a minute. We never charge you a fee for our help.
Frequently asked questions
Can I buy short-term health insurance any time of year?
Yes, where it's sold. Short-term limited-duration insurance can be bought year-round, outside open enrollment.
How long can a short-term plan last?
Term lengths vary by state and plan; your agent confirms the options in your state.
Can I buy short-term insurance during open enrollment?
In most states where it's sold, yes, though a few states restrict this.
Does short-term health insurance offer immediate coverage?
Many short-term plans can start as soon as the day after your application is approved, depending on the insurer and state rules.
Is short-term health insurance worth it?
It can be: it's fast, flexible coverage you can buy year-round, some plans start the next day, and options include Allstate short-term medical on the Cigna PPO network.
Want longer-lasting coverage from one application? TriTerm Medical from Golden Rule offers nearly three years over three terms in select states.
Related guides
Health insurance guides by state
Deadlines, exchanges, average premiums and short-term plan rules differ by state. Popular state guides:
Federal notice for short-term plans
Sources (checked November 4, 2026)
- KFF — Examining Short-Term Limited-Duration Health Plans
- healthinsurance.org — Short-term health insurance (state availability, 2026)
Plan availability and eligibility are determined by the carrier.