Short-Term and Temporary Health Insurance vs. COBRA

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Consider your options for temporary health insurance coverage while between jobs. One choice is to remain insured on your former employer’s group health plan via the COBRA law. This can be a smart choice if you require treatment or medication for pre-existing conditions and seek to roll over your deductible or access the same medical providers.

Another option is to consider “gap health insurance,” which is often used by those who experience job loss. These types of short-term or temporary health insurance plans offer coverage for new illnesses and unexpected accidents.

Choosing An Alternative to COBRA

COBRA insurance is expensive. Instead of continuing their recent employer’s group health insurance, many people will use a temporary health plan as an alternative way to cover an insurance gap until their next major medical coverage begins. This is ideal if you recently quit or resigned to begin a new position and are waiting for your new coverage to kick in.

The cost of temporary medical insurance is determined by your age and the state in which you reside. Because they do not cover pre-existing conditions, these policies are not available in all states.

Many states require you to join a professional organization to acquire term health insurance. The example types of coverage below will auto-enroll you into a professional organization if it applies to where you live.

Man considering buying short-term medical insurance

Temporary Health Coverage

These are term health plans that can provide one month or up to a year of medical insurance coverage. Many plans begin the next day.


Short Term Medical Insurance

New Illnesses & Injury Coverage

Flex term short term medical insurance

Plans begin at $80/month.
Based on age and state availability

The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness. Read more about Flex Term.

Coverage begins as early as midnight tonight.

Accident Only Insurance with Telehealth

Coverage begins as early as midnight tonight.

Plans start at $44/month.
Based on age and state availability

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.

Includes Telehealth giving you access to prescribing doctors for common issues.

Limited Indemnity with Telehealth

Includes Telehealth giving you access to prescribing doctors for common issues.

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Coverage begins as early as midnight tonight.

Other Medical Coverage

Major medical and short-term plans often won’t include other health benefits. Many individuals and families will need to look for private dental and vision insurance outside of their existing plan.

Dental Insurance

Plans start at less that $1/day.
Based state availability

The Core Dental Insurance plans can provide coverage for preventive, basic and major dental expenses with the dentist of your choice. Also, some plans include additional benefits like vision, hearing, orthodontia, teeth whitening, Dental Rewards® and more.

Core Dental Insurance is a private Ameritas Dental Plan.

Vision Plans

Plans start at $5/month.
Based state availability

EyeMed is the leader when it comes to vision insurance.  EyeMed Advantage Network is made up of over 44,000 independent and retail in-network provider access points including 1000’s of national retail providers like LensCrafters, Pearle Vision, Sears Optical and Target Optical.

EyeMed Vision Insurance is smart to have.


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Teladoc is a Telehealth subscription that provides 24 hours a day, 365 days a year access to a network of U.S. Board Certified physicians who can diagnose, recommend treatment, prescribe or refill prescriptions for routine conditions.


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As a nationally licensed health insurance company, our aim is to assist individuals in finding and understanding insurance.

Our technologies have helped more than 4 million people obtain insurance in the past 20 years.

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COBRA Eligibility

COBRA Is a Major Medical Plan

When you sign up for COBRA, you are keeping the same work health insurance you had when you were employed. It’s great for those with preexisting conditions or who see a doctor regularly.

After you make your first premium payment, your insurance restarts and what you’ve paid in for deductibles picks up where they left off.

Employer-sponsored health insurance is required to be a comprehensive plan.

These are major medical plans that cover:

New Major Medical

As you’ve had a qualifying event to obtain new health coverage, you may look for a new permanent comprehensive health plan through the healthcare marketplace.

Temporary Health Insurance Solutions

If COBRA coverage is unavailable or if you simply can not afford it, you can get alternative health coverage for new illnesses or injuries.

Many people will enroll in short-term medical insurance or an accident only plan to “get by” until their next major medical insurance starts. This type of insurance is also known as “gap insurance.”

These plans are not for everyone, but may be a good choice for you if:

  • You have no pre-existing conditions.
  • You want to stay insured at a lower cost.
  • You are not pregnant or plan on becoming pregnant soon.
  • You have had no recent health problems.
  • A medical professional has advised you to undergo a medical procedure in the future.
  • You need health insurance and it’s not yet a federal open enrollment period to enroll in a qualified health plan.

COBRA or Short-Term Medical?

The advantages of a short-term health plan over COBRA are affordability amongst other benefits.

Additional Alternatives to COBRA

Is short-term or gap health insurance not available in your state? Are you exploring more affordable alternatives to COBRA? Be sure to factor the following into your search:

  • Medicaid and government assistance: These low- to no-cost plans extend coverage to individuals living on a low- or very-low income. Eligibility varies based by state, with factors including family size and income. Your dependents may additionally qualify for the Children’s Health Insurance Program (CHIP) if you fall above your state’s Medicaid threshold.
  • Marketplace Insurance: Affordable Care Act (ACA) plans, also known as Obamacare, have exploded in popularity due to the availability of government subsidies and limited restrictions based on age, gender, health and existing conditions.

Remain Insured

Accident Only plans start at $44*
with coverage starting tomorrow!

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Temporary health insurance is a popular, affordable solution to cover gaps in coverage while you are between Major Medical plans.

*Eligibility for short term medical insurance is based on age and state availability.

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