Short-Term Individual & Family Health Plan Options - Navigating Temporary Coverage

Life is unpredictable, and sometimes you find yourself between more permanent health insurance solutions. Whether it's a gap between jobs or waiting for other coverage to begin, Kelley’s Insurance Services is here to help. We offer short-term individual and family health plans that provide temporary coverage tailored to your needs.

1. Understanding Short-Term Health Plans

Short-term health insurance, sometimes known as "temporary" or "term" health insurance, is designed to provide coverage for a limited period. These plans are typically:

  • Flexible: You can often choose the length of coverage, from a month to nearly three years, depending on state regulations.
  • Quick to Start: Coverage can often begin as soon as the day after application.
  • Lower Monthly Cost: The premiums tend to be a fraction of some options.
  • Less Comprehensive: These plans might not cover all the services that standard plans do, such as maternity care, mental health services, or preventive care.

2. When Might You Consider a Short-Term Plan?

  • Gap Between Jobs: If you've left one job and are waiting for health benefits to begin at another.
  • Missed Open Enrollment: If you missed the Open Enrollment Period and don’t qualify for a Special Enrollment Period for standard plans.
  • Waiting for Other Coverage: If you're waiting for Medicare or long-term individual insurance to begin.
  • Temporary Lack of Coverage: Such as being dropped from a parent's plan after turning 26.

3. Advantages and Limitations


  • Cost: Typically, premiums for short-term plans are lower than those for standard plans.
  • Enrollment Anytime: You don’t have to wait for an open enrollment period.
  • Coverage Options: Many plans offer a range of deductible, coinsurance, and copay options.


  • Limited Coverage: They might not cover pre-existing conditions, certain prescriptions, or preventive services.
  • No ACA Protections: Unlike Affordable Care Act (ACA) plans, benefits like guaranteed coverage and essential health benefits might not be present.
  • Not Renewable: Once your coverage period is up, there's no guarantee of renewal. If you develop a condition during the coverage term, it might be considered "pre-existing" for a new short-term policy. (Some plans cover pre-existing conditions after specified timeframe)

4. Making the Most of Short-Term Health Plans

  • Understand the Terms: Fully grasp what is and isn't covered. Understand your out-of-pocket costs.
  • Short-term is Not Long-term: Remember, these plans are meant for temporary gaps. If you need more permanent coverage, explore other options.
  • Consult Kelley’s Insurance Services: Our team can guide you in understanding the nuances of each plan, ensuring you choose the best fit for your situation.

For personalized assistance in navigating the world of short-term health insurance, contact us at Kelley’s Insurance Services. We're dedicated to helping you and your family stay protected, no matter where life takes you.

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