Short-Term Health Insurance

Temporary coverage for life’s transitions

Safe Hands Insurance Services offers short-term health insurance for individuals and families who need flexible, fast coverage between major health plans. Ideal for people between jobs, awaiting ACA enrollment, or recently relocated, these plans provide peace of mind when life changes suddenly.

What Short-Term Plans Cover

Affordable Protection for Unexpected Events

Short-term health insurance covers major medical emergencies, accidents, and hospitalization but typically excludes pre-existing conditions and routine care. It’s best for people who need temporary coverage for one to twelve months. We’ll clearly explain what’s included, so you can make an informed choice about your short-term protection.

Who Should Consider a Short-Term Policy

Bridge the Gap Until Your Next Plan Starts

Short-term insurance helps when you’ve lost employer coverage, missed Open Enrollment, or are waiting for a new plan to take effect. Clients often use these plans for flexibility during transitions.

Pros and Cons of Short-Term Insurance

Understanding Your Temporary Coverage

  • Lower monthly premiums than traditional plans
  • Quick approval process and flexible start dates
  • Not ACA-compliant and may exclude pre-existing conditions
  • Useful only as a temporary option, not long-term protection
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Common questions about short-term coverage

What Clients should know before applying

  • How long can I keep short-term insurance?

    Most plans last from one to twelve months and can sometimes be renewed, depending on state rules. We’ll confirm available durations and renewal options based on your location.

  • Does short-term insurance cover pre-existing conditions?

    No, short-term plans do not cover pre-existing conditions or preventive care. They are designed for temporary needs only.

  • Can I cancel a short-term plan early?

    Yes, you can usually cancel anytime without penalty if you find other coverage.

  • How fast can coverage begin?

    Many short-term policies can start as soon as the next day after application approval.

  • What happens when my plan ends?

    Before your policy expires, we’ll help you transition into a Marketplace health insurance plan or other permanent coverage to avoid gaps.