Finding a health insurance plan that fits your needs can feel stressful — especially if you’re in between jobs or still looking for a full-time one. You want something flexible enough that you can start it or end it when you’re ready. But you also want enough health coverage in case you get sick or need to see a doctor.

TriTerm Medical plans, underwritten by Golden Rule Insurance Company, could be the solution. Learn what these plans are and how they might work for you and your family.

How long does TriTerm Medical insurance last?

TriTerm Medical insurance is a type of short term health insurance. But unlike many short term medical plans out there, a TriTerm Medical plan can last up to nearly three years (3 consecutive 12-month terms minus 1 day) in most states.

Here’s what sets TriTerm Medical apart:

• No reapplying each term. You only need to apply once. After that, you’re set for up to three years.

• Continuous coverage. Your coverage rolls over from 12-month term to 12-month term. This helps you avoid any gaps in care. Preexisting conditions may be covered in the 2nd and 3rd terms (after 12 months on the plan).

• Timesaving: Less paperwork and hassle compared with starting a new Affordable Care Act (ACA) plan every year.

Discover flexible coverage that can last nearly three years. Explore TriTerm Medical plans today.

Can you enroll in TriTerm Medical insurance anytime?

Yes. One of the biggest advantages of TriTerm Medical is that you don’t have to wait for an open enrollment period or a qualifying life event. (A qualifying life event can be a change in your situation that causes you to lose your health insurance. For example, losing your job or turning 26 years old and going off your parents’ plan are considered qualifying life events. ¹) Here’s what that means for you:

• Year-round availability: You can apply at any time.

• Fast start: Coverage can begin in as little as five days after approval.

• Flexibility: Great if you need insurance quickly or can’t wait for traditional coverage to start.

How much does TriTerm Medical insurance cost?

TriTerm Medical may cost less than COBRA coverage. That may make it an option for some people.

Key points to know:

• Lower premiums: TriTerm Medical plans usually have lower monthly costs than traditional health insurance plans.

• Higher deductibles: You may pay more out-of-pocket before the insurance company starts to pay for covered services.

• Out-of-pocket costs: Total yearly costs can be higher if you need frequent care.

• Best fit: Designed for people in general good health who don’t think they’ll need a lot of medical care.

What does TriTerm Medical insurance cover?

TriTerm Medical plans may offer more benefits than many short term health insurance plans.

In addition to doctor visits and inpatient hospital care, TriTerm Medical plans typically cover:

• Preventive care: Many plans include limited benefits for checkups and screenings after a waiting period, but they cover a wider range of services than most short term plans.

• Mental nervous and substance use disorders: In select states, most plans provide coverage for these disorders.

• Spine and back disorders: Most plans offer a higher maximum limit on outpatient services for spine and back disorders.

• Prescription coverage: Most plans include outpatient prescription drugs with more prescriptions qualifying for a copay.

TriTerm Medical plans are not considered to be minimum essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits. These benefits can vary depending on where you live. The best thing to do? Check plan details carefully before you pick it.

Does TriTerm Medical insurance cover preexisting conditions?

Looking for short term health insurance that covers preexisting conditions? Most short term medical plans do not. But you may be able to get coverage for some preexisting conditions after the first 12-month term with TriTerm Medical.

Again, the best thing to do is to check plan details carefully before you choose it.

Looking for short term health insurance with longer coverage term options? Discover how TriTerm Medical plans can work for you.

Who might benefit from a TriTerm Medical plan?

TriTerm Medical plans are designed for individuals who need to fill a temporary gap between traditional health insurance plans and are looking for more coverage along with the flexibility when compared to many traditional short term health insurance plans.

This could include:

• Young adults aging off a parent’s plan at 26.

• Early retirees who aren’t yet eligible for Medicare.

• Self-employed individuals or gig workers who want continuous coverage.

• TriTerm Medical works best for folks who are generally healthy and can handle potential out-of-pocket costs before the insurance company starts to pay for covered services.

Who might want to consider other options?

TriTerm Medical insurance isn’t the right fit for everyone.

Consider other options if you:

• Have significant preexisting conditions: Coverage could be limited or denied, particularly in the first year.

• Qualify for ACA subsidies: An ACA health insurance plan might be more affordable.

• Need guaranteed coverage: TriTerm Medical requires medical underwriting. Medical underwriting is a process that involves a review of your medical history before it can be approved. So the plan’s approval isn’t guaranteed.

If you don’t meet these conditions, TriTerm Medical could still be a flexible, longer-term alternative to standard short term health insurance plans if you live in a state that offers it. Curious to see if you do? Enter your zip code to find out.

The bottom line: If you’re in need of flexible healthcare coverage that’s longer than most short term medical plans, consider TriTerm Medical.

Need help choosing a health insurance plan? Call 1-844-211-7730 to connect with a licensed insurance agent or compare plans online.

TriTerm short term limited duration coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.

For informational purposes only. This information is compiled by UnitedHealthcare, and/or one of its affiliates, and does not diagnose problems or recommend specific treatment. Services and medical technologies referenced herein may not be covered under your plan. Please consult directly with your primary care physician if you need medical advice.

Sources:

1. Healthcare.gov “Qualifying life event (QLE)” Accessed October 31, 2025. Retrieved from https://www.healthcare.gov/glossary/qualifying-life-event/

Part Number: 52965-X-0126