At Diversified Insurance Brokers, we know that life doesn’t always line up perfectly with health insurance enrollment periods. Short Term Health Insurance, offered through Pivot Health, is designed to give you fast, flexible, and affordable medical coverage during transitional times. Whether you’re between jobs, waiting for employer benefits to start, leaving a parent’s plan, or recently graduated, short-term coverage ensures you have protection from unexpected healthcare expenses without being locked into a long-term commitment.
Short Term Health – Pivot Health
Quick, affordable medical coverage for life’s in-between moments—apply in minutes and get protected fast.
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Who Short Term Health Insurance Is For
This coverage is ideal for individuals who:
- Are between jobs or waiting for group benefits to start
- Missed the annual health insurance enrollment period
- Are self-employed or working temporary/contract jobs
- Recently graduated or aged out of a parent’s plan
- Need temporary coverage while relocating
Key Benefits
- Fast Approvals: Apply online in minutes and get coverage as soon as the next day.
- Flexible Plan Lengths: Choose terms from 30 days up to nearly 12 months (varies by state).
- Lower Monthly Premiums: Often more affordable than traditional major medical plans.
- Customizable Coverage: Select deductibles, coinsurance, and benefit levels to fit your budget.
- Nationwide Provider Access: Use a large network of doctors and hospitals for care wherever you are.
Why Choose Diversified Insurance Brokers?
We partner with Pivot Health to provide quality short-term coverage that bridges your insurance gap without sacrificing essential benefits. Our advisors can help you compare plans, understand the limitations of short-term coverage, and select the right option for your needs. We make the process fast, straightforward, and stress-free—so you can focus on life’s next steps knowing you’re protected.
Short-Term Health Insurance FAQs
What is short-term health insurance?
Short-term health insurance provides temporary medical coverage to bridge gaps in insurance—like when switching jobs, waiting for open enrollment, or recovering from a policy lapse. Coverage is less comprehensive than ACA plans but typically more affordable.
How long can I stay on a short-term plan?
Duration varies by state. Plans may last a few months up to 12 months, with possible renewals or extensions depending on regulations and carrier offerings.
What services are usually included or excluded?
Covered services often include emergency care, doctor visits, diagnostic tests, and sometimes hospitalization. Exclusions commonly include maternity, pre-existing conditions, mental health or substance abuse, and prescription drug coverage limitations.
How does cost compare to ACA/Marketplace plans?
Premiums are generally lower, especially for younger and healthier individuals, because benefits are more limited and underwriting lenient. Out-of-pocket exposure (deductibles, coinsurance) tends to be higher.
Is medical underwriting required?
Usually yes—insurers often ask health questions. Some may deny or limit coverage based on pre-existing condition histories.
Can someone with health issues get coverage?
Possibly—but access depends on severity and type of condition. Pre-existing conditions may cause higher premiums, waiting periods, or exclusions. Some carriers offer plans that are more forgiving than others.
Do these plans comply with ACA requirements?
No. Short-term plans are not ACA compliant—they don’t include all essential health benefits, and they do not guarantee coverage regardless of health status. They are meant as temporary solutions, not substitutes.
What should I watch out for in short-term plans?
Be sure to review: benefit exclusions, renewal options, maximum limits, network of providers, waiting periods, out-of-network costs, and whether it covers prescription drugs or emergency travel.
When is the best time to use a short-term plan?
When between employer coverage, waiting for open enrollment, relocating states, or facing gaps in ACA coverage eligibility. Use as a stopgap—not long-term reliance.
Can I transition to ACA plans later?
Yes. When open enrollment begins, or if you experience a qualifying life event, you can switch to ACA Marketplace or employer plans—just watch deadlines to avoid penalties.
