Best Short-Term Health Insurance Options in 2025
In 2025, the demand for short-term health plans continues to rise as people seek flexible, affordable coverage solutions. Whether you’re between jobs, waiting for employer benefits to start, or simply want a cost-effective safety net, temporary health insurance can be a smart choice.
In this detailed guide by Auraisin, we’ll explore what short-term plans offer, who they’re best suited for, and the top short-term health insurance options in 2025.
What Are Short-Term Health Plans?
Short-term health plans—also called temporary health insurance—provide limited medical coverage for a fixed duration, typically from 30 days up to 12 months, with some options renewable up to 36 months.
They’re designed to fill coverage gaps rather than replace comprehensive ACA (Affordable Care Act) plans. These policies help protect you from high out-of-pocket costs in case of unexpected illness or injury.
Why Consider Temporary Health Insurance in 2025?
In 2025, healthcare costs are projected to increase by over 6%. For many, traditional insurance premiums are becoming difficult to afford. Short-term plans offer:
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✅ Lower Monthly Premiums – Often 50–70% cheaper than ACA-compliant plans.
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✅ Flexible Duration – Choose coverage from a few weeks to a full year.
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✅ Fast Enrollment – Get covered in as little as 24 hours.
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✅ Wide Provider Networks – Many plans partner with major insurers and hospital networks.
However, note that pre-existing conditions are usually not covered, and benefits may be limited for preventive or maternity care.
Who Should Consider Short-Term Health Insurance?
Short-term or temporary health insurance may be ideal for:
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People between jobs or job transitions
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Recent college graduates entering the workforce
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Early retirees waiting for Medicare eligibility
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Freelancers or gig workers without employer coverage
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Individuals waiting for ACA enrollment periods
If you need coverage for a few months but don’t want to pay for a full ACA plan, these short-term options can bridge the gap affordably.
Top Short-Term Health Insurance Options in 2025
Here are some of the best short-term health plans available this year, based on coverage, flexibility, and affordability.
1. UnitedHealthcare Short-Term Medical
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Duration: Up to 364 days (renewable up to 36 months)
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Highlights: Extensive national provider network, customizable deductibles, and flexible term lengths.
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Ideal For: Individuals who want trusted nationwide coverage.
2. Pivot Health Short-Term Medical
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Duration: 30 days to 364 days
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Highlights: Multiple deductible options, telemedicine benefits, and optional prescription discounts.
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Ideal For: Freelancers and gig workers seeking customizable coverage.
3. IHC Group Short-Term Insurance
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Duration: Up to 364 days
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Highlights: Affordable premiums, fast approval, and emergency-focused coverage.
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Ideal For: Those who need immediate protection without complex paperwork.
4. National General Accident & Health
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Duration: Up to 364 days (renewable)
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Highlights: Strong claims reputation, coverage for hospital visits, and diagnostic testing.
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Ideal For: Families seeking temporary yet dependable coverage.
5. Companion Life Short-Term Medical
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Duration: 30 days to 11 months
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Highlights: Covers emergency care, hospitalization, and some preventive services.
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Ideal For: Individuals waiting for open enrollment or job-based benefits.
How to Choose the Right Short-Term Health Plan
When comparing short-term health plans, consider these key factors:
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Coverage Limits: Understand what’s included (and excluded) in each plan.
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Deductible & Copay: Higher deductibles often mean lower monthly costs.
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Network Availability: Ensure your preferred doctors and hospitals are in-network.
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Renewability: Some plans allow easy extension up to three years.
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Additional Benefits: Look for added perks like telemedicine, prescription coverage, or preventive care discounts.
Are Short-Term Health Plans Worth It in 2025?
Yes—if you understand their limitations and use them strategically. Temporary health insurance is not meant for long-term or chronic care needs, but it can be a cost-effective bridge between permanent coverage options.
For those seeking affordable protection and flexibility, short-term health insurance in 2025 continues to be a practical, budget-friendly choice.
Final Thoughts
Choosing the right short-term health plan in 2025 comes down to your unique situation. Whether you’re in a transition phase or simply need peace of mind for a few months, temporary health insurance can help you stay covered without breaking the bank.
