Short-Term Medical
Bridge Coverage Gaps Without Going Uninsured
Short-term medical plans provide temporary protection against major medical expenses while you're between jobs, waiting for new coverage to start, or missed open enrollment.
Prefer to talk it through? Call 801-449-0889
Who Short-Term Medical Is For
Short-term plans aren't a replacement for ACA coverage, but they can fill specific gaps well.
Between jobs
Coverage while you wait for a new employer's benefits to begin.
Missed open enrollment
Temporary protection until you qualify for a Special Enrollment Period or the next Open Enrollment.
Early retirees
A bridge for those retiring before Medicare eligibility at 65.
Get a Short-Term Medical Quote
Frequently Asked Questions
What does short-term medical insurance cover?+
Coverage varies by plan, but short-term medical typically covers major medical expenses like hospitalization, emergency care, and doctor visits. It generally does not cover pre-existing conditions and may exclude some ACA-required benefits.
How long can I keep a short-term plan?+
Short-term plan lengths vary by state and carrier, ranging from a few months up to a year, with some plans renewable. We'll confirm current Utah rules and options when we talk.
Is short-term medical the same as ACA Marketplace insurance?+
No. Short-term plans are medically underwritten, don't have to cover pre-existing conditions, and don't qualify for ACA subsidies. They're best used as temporary coverage, not a long-term replacement for Marketplace insurance.
Ready to find the right plan?
Talk to a licensed Utah agent — no cost, no pressure, no obligation.