Short Term Health Insurance Coverage

Short Term Health Plans

Duration and Renewals of 2022 Short Term Medical Plans

The table below shows the duration allowed to be covered under a short term health plan in each state. In addition, you can see if your state allows short term plan renewals. Lastly, short term health insurance plans have a maximum duration where you can be on the plan.

Initial plan duration

Alabama

364 days

Alaska

364 days

Arizona

364 days

Arkansas

364 days

California

Short-term plans were banned as of 2019.

Colorado

6 months, but plans ceased to be available as of April 2019.

Connecticut

6 months

DC

3 months

Delaware

3 months

Florida

364 days

Georgia

364 days

Hawaii

90 days, but plans ceased to be available as of October 2018.

Idaho

364 days for enhanced short-term plans. Six months for non-enhanced short-term plans.

Illinois

6 months

Indiana

364 days

Iowa

364 days

Kansas

365 days

Kentucky

364 days

Louisiana

12 months

Maine

364 days

Maryland

3 months

Massachusetts

No plans

Michigan

185 days

Minnesota

185 days

Mississippi

364 days

Missouri

6 months

Montana

364 days

Nebraska

364 days

Nevada

185 days

New Hampshire

6 months

New Jersey

Plans banned

New York

No sale allowed

"New

3 months, but plans ceased to be available as of mid-2019.

Mexico"

364 days

North Dakota

364 days

"North

364 days

Carolina"

364 days

Ohio

3 months

Oklahoma

364 days

Oregon

No Plans

Pennsylvania

11 months

Rhode Island

364 days

South Carolina

364 days

South Dakota

364 days

Tennessee

364 days

Texas

3 months

Utah

3 months

Vermont

3 months

Virginia

364 days

Washington

365 days

West Virginia

364 days

Wisconsin

Wyoming

Renewals?

Alabama

Yes

Alaska

Yes

Arizona

Yes

Arkansas

Yes

California

Colorado

No

Connecticut

No

DC

No

Delaware

No

Florida

Yes

Georgia

Yes

Hawaii

Yes, but only for people who were not eligible to purchase a plan in the exchange in the previous year, which eliminates virtually everyone.

Idaho

Guaranteed renewability for enhanced short-term plans. No renewals for standard short-term plans.

Illinois

No

Indiana

Yes

Iowa

Yes

Kansas

One

Kentucky

Yes

Louisiana

Yes

Maine

Yes

Maryland

No

Massachusetts

Michigan

No

Minnesota

No renewal but consumers can buy new plans.

Mississippi

Yes

Missouri

Yes

Montana

Yes

Nebraska

Yes

Nevada

No

New Hampshire

No

New Jersey

New York

"New

No

Mexico"

Yes

North Dakota

Yes

"North

No

Carolina"

Yes

Ohio

Yes, but the three-month total duration limit includes renewals.

Oklahoma

Yes

Oregon

No Plans

Pennsylvania

Yes

Rhode Island

Yes

South Carolina

Yes

South Dakota

Yes

Tennessee

Yes

Texas

No

Utah

Yes

Vermont

No

Virginia

Yes

Washington

Yes

West Virginia

Yes

Wisconsin

Wyoming

"Maximum duration

Alabama

(including renewal)"

Alaska

36 months

Arizona

36 months

Arkansas

36 months

California

36 months

Colorado

Connecticut

6 months

DC

6 months

Delaware

3 months

Florida

3 months

Georgia

36 months

Hawaii

36 months

Idaho

90 days

Illinois

Three years for enhanced plans. Six months for non-enhanced plans.

Indiana

6 months

Iowa

36 months

Kansas

36 months

Kentucky

24 months

Louisiana

36 months

Maine

36 months

Maryland

24 months

Massachusetts

3 months

Michigan

Minnesota

"185 days within any

Mississippi

365-day period"

Missouri

Total time enrolled in short-term plans can't exceed 365 days in any 555-day period.

Montana

36 months

Nebraska

36 months

Nevada

36 months

New Hampshire

36 months

New Jersey

185 days

New York

18 months total within a 2-year period

"New

Mexico"

North Dakota

3 months

"North

36 months

Carolina"

36 months

Ohio

52 weeks

Oklahoma

36 months

Oregon

3 months

Pennsylvania

36 months

Rhode Island

No Plans

South Carolina

33 months

South Dakota

36 months

Tennessee

36 months

Texas

36 months

Utah

36 months

Vermont

3 months within any 12- month period, if any plans were available for sale. (None are, as of 2018.)

Virginia

6 months

Washington

3 months

West Virginia

36 months

Wisconsin

18 months

Wyoming

36 months

What is Short-Term Health Insurance?

Short Term Health insurance is a temporary medical insurance meant to cover the insured for a shorter period.

How long can I get coverage?

Each state has their own rules on the length of coverage. Some states allow for up to 6 months of coverage with the same carrier. Other states ban short term health insurance. For example: California and Colorado DO NOT allow Short Term Health plans.

Do Short Term Health Plans cover prescriptions?

It varies by the plan you choose. Some Short-Term Health Plans offer a full prescription coverage with deductible and copays, others offer a discount card only. You can pick up the plan based on your needs.

Can I use Short Term Health Plans outside my state?

Yes. Most Short-Term Health plans have in and out of state networks. Either PPO network or Open Network.

Are Short Term Health Plans the same as ACA plans?

NO. Short Term Health Plans are not the same as ACA plans and do not offer the same coverage. Short Term health Plans may have exclusions for some services.

Do Short Term Health Plans cover pre-existing conditions?

NO. Short Term Health Plans do not cover Pre-Existing conditions.

When can I sign up for a Short-Term Health Plan?

Anytime. There is no annual enrollment period for short term health plans. Your short-term health plan can start as early as the second day.

Is Short Term Health Insurance good for me?

o Looking for coverage between jobs and waiting for employer coverage.

o Waiting for Medicare eligibility

o Missed the Open Enrollment Period and waiting for a Special Enrollment Period

o There may be other reasons to get Short Term Health Insurance, contact us to learn more.

States That Ban Short Term Health Plans

Some states have fully banned temporary medical plans from being sold, while others have imposed such restrictive state rules, no health insurers will offer the plans as a short term option. Here is a list of states that currently do not have short term health insurance coverage:

California

Colorado

Connecticut

Hawaii

Massachusetts

New Jersey

New York

Rhode Island

Vermont

Based on 19 reviews.

Cassandra Heitman

March 14, 2022.

It's a pleasure to work with Tarek El Ali! He helped me successfully get medical coverage for my small business. He made the process very easy and he responds to all concerns promptly. Thank you, Tarek.

arron draper

January 8, 2022.

I worked with Tarek to find a suitable Medicare plan for my husband. We got it handled in one phone call. I was so impressed! Now I am becoming eligible for Medicare and worked with Tarek again. He was amazing! We found an affordable plan that meets all of my needs. I highly recommend him and will use his services again in the future.

Erika Vevang

January 5, 2022.

I was previously working with someone through my franchise company to set up insurance for my employees. Low and behold after weeks of working with her she was not able to complete my process and was not very responsive when I asked her questions. She referred me to Tarek to finish up and he immediately contacted me and got my plan completed within the day! He was super nice and made sure my account was set up and ready to go before we missed our deadline. Highly recommended!

Kyle Lanza

January 4, 2022.

Healthcare.gov can be a little confusing so I called them up for help figuring everything out when I turned 26. Tarek is excellent at what he does. He had everything figured out for me in less than 15 minutes on the phone with him. I was so impressed that he will continue to be my go to guy for anything heath insurance related. I can not recommend him enough.

Jeffrey Walker

December 30, 2021.

This is our 2nd time working with Tarek to find the right health insurance policy for my small business. In both cases the knowledge of the changing insurance landscape in Illinois has helped us greatly.

Craig Baglien

December 19, 2021.

Smart Insurance Agents especially Tarek were extremely helpful in selecting and also answering follow questions on the offering I selected.

Peter Ward

December 15, 2021.

Tarek has help me multiple times with finding appropriate insurance options. He listens to specific needs and helps find fitting plans. The process is smooth and quick but also informative. He is very professional and responsive.