Temporary coverage to protect you during life’s transition periods

Affordable COBRA Alternative Health Insurance

Short Term Medical Insurance – A medical plan to bridge a gap before your next work major medical insurance begins. These plans can begin as early as tomorrow.

Flex term short term medical insurance

Short-Term Health Plan

Major medical coverage for illness and emergencies during a gap between health plans.

Use Month-to-Month
Cancel Anytime

Enroll Online
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Monday – Thursday, 6 a.m. – 6 p.m., EST.
Friday, 6 a.m. – 4 p.m., EST.

What Is Short-Term Health Insurance Used For?

The Flex Term health insurance plan can help you with basic medical coverage during a gap in insurance coverage.

Premiums for these plans are quite affordable, though they provide fewer “essential health benefits” than comprehensive ACA health plans. Most of these plans last up to 12 months, but you may cancel at any time without penalties.

Flex Term Health Insurance Plan Options2

  • Deductible options ($1,000, $2,500, $5,000, $7,500, or $10,000)
  • Co-pay : $50
  • Co-insurance options (50/50, 70/30, 80/20, or 100/0)
  • Coverage period maximum ($250,000, $750,000, $1,000,000, or $1,500,000)
  • Length of coverage options
  • Eligibility 18-64 years old (child only coverage for ages 2-25)
  • Monthly or pre-pay payment options
  • Free-look period

Short-Term Temporary Health Plans

It’s important to maintain a health insurance policy while in between jobs to avoid the high costs of healthcare that can result from a simple accident or unexpected illness.

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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.

Coverage begins as early as midnight tonight.

Accident Only Insurance with Telehealth

Coverage begins as early as midnight tonight.

Pre-existing Conditions Do Not Exclude You From Accident Only Coverage

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 typically 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. The following plans are also available.

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

eyemed vision lnsurance

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.


mdlive telehealth logo

Need care for non-urgent and common conditions? Get same-day appointments with a certified clinician from wherever you are.

Access to board-certified physicians anytime, anywhere, you can avoid unnecessary trips to the doctor’s office and costly visits to the emergency room.

Affordable Care Act

Affordable Care Act (ACA) health insurance provides minimal essential coverage, which includes preventive care, emergency services and prescription drugs. This type of insurance is often similar to work-based health insurance.

Begin ACA:  Shop the marketplace. We will check for any state or federal subsidies you are entitled to.

Temporary Health Insurance While Between Jobs

Instead of continuing on your former employer’s work insurance, using a temporary health plan is an affordable way to cover an insurance gap between jobs. These plans do not have coverage for pre-existing conditions.

Short-Term Gap Health Insurance

The following health plans are available for one month to one year. Coverage may begin as early as tomorrow. You may cancel at any time.

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Helping Over 4+ Million Workers Find Affordable Medical Insurance

COBRAinsurance.com (a private insurance company) helps workers and families with their temporary insurance options while between major medical plans. If you have questions about choosing COBRA, please contact our Licenced Insurance Agents.

COBRA Special Enrollment Period

When your employer-based health insurance stops, the COBRA law compels companies with 20 or more workers to allow you to continue on the health plan by paying the full premium. You will have a 60 day open enrollment period to start your work health insurance again.

A cost effective way to acquire health insurance while in job transition is through a Short-Term Major Medical plan. These plans offer affordable coverage for new injury or sickness for a fraction of the cost. They offer month-to-month flexibility and can cover a gap in insurance until the next open or special enrollment period.

Qualifying Events For Health Insurance Change

  • Getting married
  • Having, adopting, or placement of a child
  • Medical Child Support Orders (MCSO) issued by state or federal court
  • Permanently moving to a new area that offers different health plan options
  • Losing other health coverage due to a job loss, divorce, loss of eligibility for Medicaid or CHIP
  • Expiration of COBRA coverage or a health plan being de-certified.
  • Those covered in an Insurance Marketplace (state or federal exchange) and having a change in income or household status that affects eligibility for tax credits or cost-sharing reductions

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We can help you find an affordable health insurance plan before your next major medical health coverage begins.

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Short Term Health Insurance Options

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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