Health Insurance for Short-Term Needs, Right When You Need It
Flex Term Health Insurance gives you fast, affordable coverage when life takes an unexpected turn. Whether you are between jobs, waiting for benefits to start, or need short-term protection, Flex Term helps cover medical costs from accidents and illnesses. Enjoy next-day coverage, freedom to choose your own doctors, and flexible plan options at a price that fits your budget.
Easy to cancel when you start your next Major Medical health insurance.
Get Started with Flex Term Health Insurance
Find Your Cost forShort Term Medical Insurance
Plans Start At $88/month*
Key Benefits
- Next-Day Coverage – Get insured as soon as tomorrow.
- Freedom to Choose Providers – No network restrictions.
- Affordable Alternative to COBRA – About half the cost.
- Flexible Coverage Periods – Choose durations that fit your needs.
- Simple Application – Takes about 5 minutes.
- Peace of Mind – Ideal for gaps between jobs or waiting for benefits.
Summary of Coverages
- Doctor Office Visit – $50 copay.
- Annual Routine Physical Exam – $50 copay.
- Inpatient Hospital Services – Subject to deductible and coinsurance.
- Outpatient Surgery – $500 deductible per surgery (max 3).
- Emergency Room – $500 deductible per visit (max 3).
- Ambulance Benefit – $250 per transport for injury or sickness.
Who is this for?
- Individuals waiting for employer benefits to start.
- People between jobs who need temporary coverage.
- New graduates no longer eligible for student plans.
- Seasonal or temporary workers with unpredictable schedules.
- Those who missed ACA Open Enrollment and need short-term protection.
- Anyone seeking affordable coverage between jobs.
How Flex Term Coverage Works
$50 copay for physician office visit
$50 copay for annual wellness exam
Cover your deductible of $1,000, $2,500, $5,000, $7,500, or $10,000
Your deductible is the amount you must pay before benefits apply.
Coinsurance options:
- 50%/50% — you pay 50% of charges up to the plan maximum
- 70%/30% — you pay 30% of charges up to the plan maximum
- 80%/20% — you pay 20% of charges up to the plan maximum
- 100% — the plan pays 100% of covered charges up to the plan maximum
The plan pays remaining covered charges, up to the policy period maximum.
Short-term health insurance is your lifeline during gaps in coverage, whether you’re between jobs, transitioning off a parent’s plan, or waiting for open enrollment. The Flex Term Health Insurance Plan offers you fast, flexible protection when you need it most.
- Get your price in under a minute
- No long forms
- No obligation to enroll
- Coverage may start as soon as tomorrow
Fast, secure, and takes about five minutes.
State Availability
- Alabama
- Arizona
- Arkansas
- Delaware
- Florida
- Georgia
- Illinois
- Indiana
- Kentucky
- Louisiana
- Michigan
- Mississippi
- Missouri
- Nebraska
- Nevada
- Ohio
- Oklahoma
- Oregon
- South Carolina
- South Dakota
- Tennessee
- Texas
- Virginia
- West Virginia
- Wisconsin
- Wyoming
About: Everest RE
Everest Re Group Ltd. is a holding company that provides reinsurance and insurance services. The U.S. Reinsurance segment writes property and liability reinsurance as well as specialist lines of business such as marine, aviation, surety, and accident and health through reinsurance brokers as well as directly with ceding firms predominantly in the United States.
Claims and Billing are managed by insuranceTPA, a health plan administrator.
Notice: Short-term, limited-duration insurance does not meet federal requirements for “minimum essential coverage” under the Affordable Care Act. This plan does not include all essential health benefits required by the ACA. Pre-existing conditions are not covered. Review your policy carefully to understand what is and is not covered. If this coverage expires or you lose eligibility, you may have to wait until the next open enrollment period to obtain other health insurance. You may be able to enroll now in longer-term coverage that qualifies as minimum essential coverage, and you may qualify for financial help by enrolling in an Affordable Care Act health plan.