Skip to Main Content

What Have New Rules Changed About Short Term Health Insurance?

If you’re shopping for Short Term health insurance2, or if your current Short Term insurance plan is coming to an end, recent changes to rules for temporary health insurance may interest you.

The recent Final Rule enacted by the federal government defined Short Term Limited Duration insurance with terms of less than 12 months, or put another way, terms up to 364 days. This is up from the under 90-day term length these plans have had for the past 2 years. This means you can fill a longer gap in your coverage or take additional time to find a more permanent health insurance solution for you and your loved ones. One thing to remember: States still have the final authority to create regulations around short term insurance, so terms lengths will vary by state.

Temporary Health Insurance Hasn’t Fundamentally Changed

The length of coverage may have changed, but remember, the coverage you can apply for with temporary health insurance hasn’t changed.

Golden Rule Insurance Company Short Term Medical insurance plans are still...

Budget-friendly coverage
Temporary coverage while you are between long-term solutions
  • Plans start at
    (Sample rate is base monthly premium only for a Short Term Medical Value plan for unmarried female 19-24, non-smoker, ZIP code 493--, $10,000 deductible, 60/40 coinsurance.4)
Available coverage
You can apply for it year round
  • Possibly solving your health insurance coverage needs if you missed Open Enrollment
  • Providing an option if you don’t have a qualifying event to open a Special Enrollment period for major medical insurance
Fast coverage
In effect as soon as the next day after you apply in many cases
Flexible coverage
Drop your coverage without penalty when you’re ready
  • Apply for another short term plan if you need to be covered longer.5
Customizable coverage
  • Choose from a range of deductible amounts
  • Add additional coverage for accidents6
  • Take advantage of lump sum payments to get a cheaper premium

Click View Plans now to learn more about short term health insurance options and term lengths available in your state.

View Plans

This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, call or write your insurance agent or the company.

2 Short term health insurance is medically underwritten and does not cover preexisting conditions. This 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. This coverage is not “minimum essential coverage.”

5 Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Optional benefits require an additional premium cost. Products vary by state. Some Short Term plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.

6 Some states excluded.

7 Optional benefits require an additional premium cost. Products vary by state.


Navigate Back to Top