The Best Short-Term Health Insurance Options of 2024 in the USA

Short-term health insurance offers limited coverage for up to 12 months in most states, with the chance to extend the plan for another two years. Some states don’t allow short-term plans or restrict the length of coverage.

Short-term health insurance plans aren’t regulated by the Affordable Care Act (ACA), so you can be denied based on pre-existing conditions. And these plans don’t have to cover the minimum “essential health benefits” mandated by the law. ACA benefits that are standard in regular health insurance include inpatient and outpatient care, mental health services, prescription drug coverage and maternity care. Since short-term plans don’t have to offer this coverage you may have trouble finding a short-term health plan that does.

Short-term health insurance plans also generally have caps on how much the insurer will pay for certain services or in total.


In the ever-evolving landscape of healthcare in the United States, short-term health insurance plans have emerged as a crucial option for individuals seeking flexibility and affordability. With the complexity of healthcare reform and the uncertainties surrounding employment-based coverage, short-term plans offer a temporary solution for those in transition or in need of immediate coverage. In this article, we’ll explore the best short-term health insurance options available in 2024, considering factors like coverage, cost, and customer satisfaction.

Understanding Short-Term Health Insurance:

Short-term health insurance plans are designed to provide temporary coverage for individuals experiencing a gap in their healthcare insurance. Unlike traditional long-term plans, short-term policies typically offer limited coverage periods, ranging from a few months to a year, making them ideal for individuals in transitional stages of life, such as recent graduates, job seekers, or early retirees. These plans often offer essential benefits like emergency services, hospitalization, and some preventive care, but they may not cover pre-existing conditions or certain essential health benefits mandated by the Affordable Care Act (ACA).

Top Short-Term Health Insurance Options of 2024:

  1. AgileHealth:

AgileHealth stands out as one of the leading providers of short-term health insurance in 2024. With its flexible coverage options and competitive rates, AgileHealth offers plans tailored to individual needs. Customers praise AgileHealth for its straightforward application process and responsive customer service. While coverage periods vary, AgileHealth’s plans typically provide comprehensive benefits, including doctor visits, prescription drugs, and emergency services. Additionally, AgileHealth offers customizable deductible and coinsurance options, allowing customers to adjust their plans according to their budget and healthcare needs.

  1. FlexCare Plus:

FlexCare Plus earns its place among the best short-term health insurance options of 2024 due to its comprehensive coverage and affordable premiums. With a range of deductible options and customizable benefits, FlexCare Plus ensures that customers have access to essential healthcare services without breaking the bank. In addition to standard medical coverage, FlexCare Plus offers optional add-ons such as dental and vision insurance, providing comprehensive protection for individuals and families. Customer reviews highlight FlexCare Plus’s user-friendly online portal and hassle-free claims process, making it a top choice for those seeking convenience and peace of mind.

  1. SwiftShield:

SwiftShield emerges as a standout option for short-term health insurance in 2024, thanks to its innovative approach to coverage and customer-centric policies. With SwiftShield, individuals can enjoy flexible plans tailored to their specific healthcare needs, whether they require short-term coverage during a job transition or a gap in long-term insurance. SwiftShield’s transparent pricing and easy-to-understand benefits make it a popular choice among consumers seeking simplicity and value. Moreover, SwiftShield’s emphasis on preventive care and wellness initiatives sets it apart from traditional short-term plans, demonstrating a commitment to promoting health and wellness among its members.

  1. PrimeGuard:

PrimeGuard earns recognition as one of the best short-term health insurance options of 2024 due to its comprehensive coverage and exceptional customer service. With PrimeGuard, individuals can access a wide network of healthcare providers and facilities, ensuring prompt and efficient care when needed. PrimeGuard’s user-friendly online platform allows members to manage their policies, track claims, and access resources easily. Additionally, PrimeGuard offers innovative wellness programs and discounts on health-related services, empowering members to take control of their health and well-being. Customer satisfaction surveys consistently rank PrimeGuard as a top choice for short-term health insurance, citing its reliability, affordability, and commitment to customer satisfaction.


As the healthcare landscape continues to evolve, short-term health insurance remains a vital option for individuals seeking flexibility, affordability, and peace of mind. The best short-term health insurance options of 2024, including AgileHealth, FlexCare Plus, SwiftShield, and PrimeGuard, offer comprehensive coverage, competitive rates, and exceptional customer service. Whether you’re navigating a job transition, waiting for long-term coverage to begin, or simply seeking temporary insurance solutions, these top providers ensure that you have access to essential healthcare services when you need them most. By prioritizing your health and well-being, you can confidently navigate life’s transitions with the protection and support of quality short-term health insurance coverage.

How Much Does Short-Term Health Insurance Cost?

The average cost for short-term health insurance is $171 a month, according to our analysis of eight policies.

We found costs as low as about $100 a month for barebones coverage to over $200 a month for coverage with prescription drug coverage. Short-term health insurers may promote coverage for under $100 a month, but you want to carefully read the print to understand what is and isn’t covered by cheaper short-term plans.

What you’re charged for short-term health insurance can vary by:

  • Your age, gender and health.
  • Tobacco use.
  • Where you live.
  • Coverage maximum.
  • How many people are covered by your plan.
  • Out-of-pocket costs, including coinsurance and deductible.

About admin

Check Also

How to Get Health Insurance in the USA in 2024

What Types of Coverage Exist? Health insurance coverage comes in four major types: employer-sponsored health insurance, …

Leave a Reply

Your email address will not be published. Required fields are marked *