Short Term Medical – Diversified Insurance Brokers

Stay Protected Between Plans with Short-Term Health Insurance

Life doesn’t always go according to schedule—and a gap in health coverage can leave you financially exposed. Short-term health insurance offers an affordable and flexible solution for individuals between jobs, waiting for employer benefits to begin, or in transition. It helps cover unexpected medical expenses and provides peace of mind until long-term coverage is in place.

👉 Get a quote and Apply. Explore plans that keep you protected when it matters most.

Short-Term Health Insurance

Short-term health insurance is a temporary coverage solution designed to fill gaps when traditional health insurance isn’t available. These policies typically last from a few months up to one year, depending on your state and insurer.

Short-term plans are ideal for people in transition, including:

Individuals between jobs
Those waiting for employer coverage to start
Early retirees
Recent graduates aging off a parent’s plan
People outside of Open Enrollment who don’t qualify for a Special Enrollment Period

While not intended as a permanent solution, short-term health insurance offers essential protection against unexpected medical costs when you need coverage the most.

How Short-Term Health Insurance Can Help You

Fast, Immediate Coverage

Short-term health insurance delivers rapid approval and same-day or next-day coverage, helping you avoid gaps when life throws you a curveball. Whether you’re between jobs or waiting for permanent insurance to begin, it offers a quick, reliable safety net when you need it most.
Flexible Policy Duration

Short-term health plans let you choose the length of your coverage, typically ranging from 30 days up to 12 months (depending on your state). This flexibility is ideal if you know how long you’ll need insurance—whether it’s just a few weeks or several months.
Simple, Hassle-Free Enrollment

Benefits of Short-Term Health Insurance

Lower Premiums

Short-term health insurance plans typically offer lower monthly premiums than traditional health insurance, making them a budget-friendly solution for temporary coverage needs. They’re ideal when affordability matters and long-term options aren’t accessible or necessary.
Provider Flexibility
Customizable Coverage Options

Short-term health insurance gives you the ability to tailor your plan based on your personal needs and budget. You can choose your deductible, coverage level, and policy length, ensuring the plan fits your unique situation—without paying for coverage you don’t need.
Next-Day Coverage Availability

Know the Limits—and Trust the Guidance

While short-term health insurance can be a smart solution during coverage gaps, it’s important to understand its limitations. These plans typically offer less comprehensive coverage than long-term health insurance and often exclude pre-existing conditions, preventive care, and other essential health benefits required under the Affordable Care Act (ACA). As such, they are best suited for individuals who are generally healthy and need temporary, affordable protection.

At Diversified Insurance Brokers, we go beyond simply providing a policy. We’re committed to clear guidance, tailored solutions, and building lasting relationships based on trust and results. Our dedication to doing what’s right—for every client, every time—is what sets us apart.

No-Obligation Consultation: Stay Covered Through Life’s Transitions

Short-term health insurance is a practical, affordable solution for those facing gaps in coverage—whether due to job changes, waiting periods, or other unexpected transitions. While it’s not a long-term substitute, it offers customizable protection, fast approval, and coverage that can begin as soon as the next day.

At Diversified Insurance Brokers, we’ll help you compare top short-term plans and guide you toward the one that fits your health needs and budget.

👉 Get your quote and apply here