Man and woman walking on park bench
Blue Hourglass Icon

Short Term Medical Insurance

Your family’s health is your first priority. Assurant Health can help you get the coverage you need with affordable short term insurance options.
Need Help
Talk to a sales expert

Hours of Operation (CT)
Mon - Fri: 7 a.m. - 5 p.m.

Individual plans
start at:
$ 56 79
per month

Family plans
start at:
$ 113 58
per month

Let us help you find the right plan for your situation.

Talk to an Assurant Health sales expert at 800-647-9094

Short Term Medical Overview

When you have a gap in coverage, a Short Term Medical plan can help protect you from medical bills that result from unexpected illnesses or accidents.

Plan features

Gray Hourglass Icon
Coverage available from 30 to 180 days
Gray Doctor Icon
No network restrictions - flexibility to choose your own doctors and hospitals
Gray Dollar Sign Icon
Only one deductible to meet for an entire family

Note: Plans are not minimum essential coverage and do not cover preventive services or routine care.

Is Short Term Medical right for me?

It can be an affordable solution if you’re:

Common Questions

Read all questions

Find the plan that fits your needs

Get a quote for plans and pricing in your area

Talk to an Assurant Health Sales Expert by calling 800-647-9094.

Save 20% with a one-time payment

Know exactly how many days you'll need coverage? You can save 20% on the full price of your plan by making a single, up-front payment.

Learn more about payment options

10-day free trial

Regardless of how you’ll pay, you can cancel the plan within 10 days and get your money back – no questions asked.1

Short Term Medical Plan Details

Temporary insurance is an affordable option for individuals and families, but it isn't right for everyone. To decide whether this plan is right for you, it is important that you think about the benefits you value and the medical conditions you want to cover.

What's covered:

  • Doctor visits covered for unexpected illnesses and injuries (excludes preventive care and routine check ups). Discounts of 20-35% on average for using network doctors.2
  • Hospital benefits – inpatient and outpatient services are covered. Discounts of 20-35% on average for using network facilities.2
  • Emergency room care.
  • Ambulance transport – covers service to the nearest hospital able to treat your condition.
  • Prescription drug benefits.
  • X-ray and lab services.

Learn more about what's covered

What's not covered:

  • Pre-existing conditions and preventive services.
  • Routine medical care, such as physicals or yearly exams.
  • Maternity care.
  • Mental health services.
  • Non-injury related dental and vision care.

Learn more about what's not covered

Short Term Medical plans

Compare more plans


$5,000 / 50% Plan

Individual plans
start at:
$5679per month

Get a Quote

Most popular3

$2,500 / 20% Plan

Individual plans
start at:
$8828per month

Get a Quote
After deductible you pay
up to the out-of-pocket max
After deductible you pay
up to the out-of-pocket max
Out-of-pocket maximum
(Does not include deductible)
(Does not include deductible)

Individual plans
start at:
$5679per month

Get a Quote
Compare more plan benefits

Individual plans
start at:
$8828per month

Get a Quote
Compare more plan benefits
Save 20% by making a single, up-front payment.

Learn how to save

Supplement your health coverage with added protection.

  • White Tooth Icon

    Dental Insurance

    No waiting period on preventive services and you can visit any dentist. Get help with checkups and treatments.

    Learn more
  • White Ambulance Icon

    Accident Insurance

    In the event of an accident, these plans can help you cover out-of-pocket costs. Some plans pay cash in addition to any plan benefits already in place.

    Learn more
  • White Heart Icon

    Critical Illness Insurance

    These plans offer coverage for critical illnesses such as cancer, heart attacks or stroke. Upon diagnosis of a covered condition, you'll receive a lump-sum cash payment.

    Learn more

The learning center

View all articles
  • Father and son playing football on beach
    Find Affordable Health Insurance Outside Open Enrollment

    Affordable health insurance can be within your budget, even outside open enrollment. Learn how to get the ideal plan for your situation.

    Read full article
  • Man and woman hugging
    Understanding the Individual Mandate

    Individuals will be required to have coverage by a health insurance plan that constitutes minimum essential coverage (MEC). Individuals who do not have MEC may have to pay a tax penalty.

    Read full article
  • Man viewed through coffee shop window
    Frequently Asked Questions (FAQs)

    Use our Frequently Asked Questions (FAQs) to find the answers you're seeking.

    Read full article

Plan limitations and exclusions

These plans include limitations and exclusions PDF Icon (Arizona-specific plan limitations and exclusions PDF Icon), do not cover preventive services or pre-existing conditions, and coverage is subject to medical underwriting. If you need coverage for pre-existing conditions, you should consider COBRA or a major medical insurance plan that is minimum essential coverage.

Because these plans are not minimum essential coverage, you may need to pay a tax penalty depending upon your income level and the cost of plans available. See if a tax penalty applies to your situation

As you select a plan, please check the specific benefits, limitations and exclusions listed as these may vary by state. To learn more about these plans, get a quote or talk to an Assurant Health sales expert.

Coverage is not renewable.
  • This plan includes a $25 application fee which is non-refundable.
  • If you visit a doctor in the Private Healthcare Systems (PHCS) network, you will receive a 20-35% discount, on average. This average is based on actual Assurant Health Short Term Medical claims in 2013. Also, the PHCS network is not available in Rhode Island.
  • The label "Most Popular" was based on the number of Short Term Medical plans purchased directly from Assurant Health throughout all of 2014.