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Short Term Health Insurance

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Next Day Coverage

Next Day Coverage
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Available Year Round Insurance

Available Year Round
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Is Short Term Health Insurance Right for You?

Short Term health insurance, sometimes called Term health insurance or Temporary health insurance, is designed to bridge gaps in your health care coverage during times of transition.1

A Short Term plan may be just the right health insurance solution if you:

  • Are rolling off your parent’s insurance, a college student or just out of school
  • Are in between jobs
  • Have no health insurance or are losing your insurance coverage
  • Missed Open Enrollment and do not have a qualifying event for Special Enrollment
  • Are waiting for benefits to begin at a new job or for Medicare
  • Need a temporary alternative to COBRA insurance
Short Term Insurance is Right for You

Golden Rule Insurance Company Short Term plans provide access to:

Access an extensive network

An extensive network

of health care professionals, with 1 million physicians and other health care professionals and approximately 6,000 hospitals and other facilities.2

No referral required

No referral requirement

if you have to see a specialist—making it easier to receive the care you need.

Not sure if a Short Term plan is right for you? No problem!

Check out other insurance plans such as dental, vision and term life to address almost any insurance need you may have.

Coverage from a Rated “A” (Excellent) Company

Golden Rule Insurance Company, which underwrites Short Term Medical insurance products, is rated “A” (Excellent) by A.M. Best - a mark of financial strength and stability.4

1 Short term plans are medically underwritten. 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/certificate 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/certificate 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 is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.

2 UnitedHealth Group Annual Form 10-K for year ended 12/31/18.

3 Lump sum savings apply only to the medical plan premium. Savings do not apply to premiums for optional benefits added to the medical plan.

4 Ratings as of 12/18/2019. This worldwide, independent organization reviews insurance companies and other businesses and publishes opinions about them. This rating is an indication of financial strength and stability. For the latest rating, access


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