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Life doesn’t always follow a script—and neither does your health coverage. Whether you’re between jobs, waiting for employer benefits to begin, or recently lost coverage, Short Term Health Insurance offers an affordable, flexible solution to keep you protected.
At Diverse Health Insurance , we help individuals and families find short-term plans that meet their immediate healthcare needs—without long-term commitments or high premiums.
Short Term Health Insurance provides temporary medical coverage for a limited period—typically 30 days to 12 months (or up to 36 months in some states). It is designed to help cover unexpected illnesses or injuries, offering peace of mind during transitions.
Quick Enrollment – Get coverage in as little as 24 hours
Flexible Duration – Choose plans from 1 month to 12+ months
Affordable Premiums – Often lower-cost than traditional health plans
Wide Provider Networks – Access to hospitals, doctors, and urgent care
Customizable Options – Add coverage for prescriptions, preventive care, or accidents
Short Term Health Insurance is ideal for:
Individuals between jobs or laid off
Recent college graduates or young adults aging off parental plans
People waiting for Medicare or ACA enrollment
Temporary or seasonal workers
Early retirees not yet eligible for Medicare
Individuals who missed Open Enrollment
Short term health plans are not ACA-compliant, and may:
Exclude pre-existing conditions
Limit coverage for maternity, mental health, or prescriptions
Have benefit caps or higher deductibles
Be sure to review each plan carefully. We’ll help you compare options and identify any gaps.
Most short-term plans offer next-day coverage once your application is approved.
Yes. These plans offer month-to-month flexibility—you can cancel without penalty if your situation changes.
Some plans may offer limited COVID-19 coverage or hospitalization benefits, but terms vary. We'll help you find the most comprehensive option available.
Typically, no. Most short-term health plans do not cover pre-existing conditions. If this is a concern, we may recommend a different solution.
In many states, yes—some allow you to renew for up to 36 months. However, each insurer and state has different rules.
