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Bridge Coverage
Short-term medical: the right tool for a gap — not a lifestyle
Between jobs, waiting on employer benefits, or missed the enrollment window? Short-term plans can put real protection behind you within days. They're also the most misunderstood product in health insurance — so here's the straight version.
Where short-term plans shine
- Coverage can start within days of applying — no enrollment window needed
- Premiums typically well below unsubsidized major medical
- Real protection against the big, unexpected events while you're between plans
- Job transitions, COBRA-cost refugees, waiting periods, graduation, missed OEP
What they don't do — read this part
- Medically underwritten — approval isn't guaranteed, and pre-existing conditions are generally excluded
- Not ACA-compliant — essential benefits like maternity or mental health may be limited or absent
- Benefit caps and exclusions apply — always read the schedule of benefits
- Availability and allowed duration vary by state and are subject to changing federal and state rules — we'll confirm what's currently offered where you live
Our honest rule of thumb: if you lost other coverage, check your Special Enrollment Period first — a subsidized Marketplace plan usually beats short-term on both protection and price. Short-term is for when the Marketplace door is genuinely closed or a true bridge is all you need. We'll tell you which situation you're in before quoting anything.
Gaps are stressful. The fix takes one call.
Tell us your dates and your state — we'll map every bridge option you actually qualify for, usually the same day.