Short-Term Health Insurance

Life doesn’t always go according to plan.  Spearfish Insurance Brokerage can help you find short-term health insurance during those moments in your life when you need it the most.  Short-term health insurance plans can help you get covered from 30 to 180 days, and up to 364 days in many states. Short-term health insurance plans are designed to help protect you from the costs of the unexpected.   

Why Would I Need a Short-Term Health Insurance Plan?

Short-term insurance plans are helpful if you are between jobs with employer-provided coverage.  They’re also handy if you’re a new hire awaiting the start of employer-provided coverage, or if you’re between open enrollment periods.  Spearfish Insurance Brokerage can provide you with a free personalized short-term health insurance quote at no cost or mark-up to your premium.

Short-term health insurance plans are designed for individuals who don’t currently have health insurance. Short-term health insurance plans do not cover pre-existing conditions. Short-term health insurance plans are also not considered minimum essential coverage under the Affordable Care Act (also called Obamacare), and even if you enroll in and maintain temporary coverage you may NOT be exempt from the Shared Responsibility Payment (tax) that may otherwise apply for not having qualifying health insurance.

At Spearfish Insurance Brokerage, we offer a wide selection of short-term health insurance plans and can provide you with a free personalized short-term health insurance quote to help you stay covered and stay healthy!

Get Your Free Personalized Quote Today!

Benefits of a Short-Term Health Insurance Plan

  • Cost-effective
    • Typically have lower premiums than major medical coverage
  • Convenient, and tailored to your needs
    • Allow for customizing length of plan
    • Offer several deductible and co-pay options
    • May allow for reapplication after coverage expires
      (option not available in all states)