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Your Short-Term Coverage Guide

Short Term Health Insurance for Life’s In-Between Moments

Short Term Health Insurance from UnitedHealthcare protects you between jobs, after open enrollment, or while you wait for new coverage. You can apply any time of year. Plus, coverage can often start the next day.

Terms of 3, 6, or 12 months
Apply year-round with no enrollment period
Sold in 29 states through Vivna

Get My Free Quote 888-730-6001

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Our Carrier Partners

🤝 Short-Term Carriers We Work With

Compare short-term medical plans from respected national carriers. As a result, your gap coverage comes from a name you can trust.

UnitedHealthcare

Companion Life

Allstate Health Solutions

Carrier and plan availability vary by state. Call 888-730-6001 to see what’s available where you live.

How It Works

⏱️ How Short Term Health Insurance Works

Short Term Health Insurance gives you temporary medical coverage for a set number of months. First, you pick a start date, a deductible, and a term length. Then the plan helps pay for covered doctor visits, emergencies, and hospital care until it ends.

Because these plans are not ACA plans, knowing the rules matters. Our licensed agents explain what is and is not covered. Call 888-730-6001 to compare plans at no cost.

🪜 How to Use Your Plan

Pick Your Start Date

Coverage can often begin as soon as the next day.

Use In-Network Providers

Network doctors and hospitals usually cost you less.

Meet Your Deductible

After that, the plan shares covered costs up to your limit.

Plan Your Next Step

Line up new coverage before your term ends.

💡 Who Benefits Most

💼 People between jobs
📅 Anyone who missed open enrollment
🎓 Young adults coming off a parent’s plan
⏳ People waiting for job coverage to start

🧭 What to Know Before You Buy

Often Covered

Doctor visits, urgent care, emergencies, and hospital stays.

Often Excluded

Pre-existing conditions and some maternity or mental health care.

No Tax Credits

You pay the full premium, although it is often lower.

Set End Date

Coverage ends on schedule, so plan your next step early.

⭐ Why Work With Vivna

Short-term plans differ in deductibles, limits, and exclusions. Therefore, comparing them side by side matters. A licensed agent also checks whether an ACA plan could save you more. Best of all, our help is free.

Learn how these plans stack up in short-term vs. ACA coverage. Need longer protection? Then see Tri-Term plans, explore ACA options, or call 888-730-6001.

Coverage by State

🗺️ Where Short-Term Plans Are Available

Short Term Health Insurance from UnitedHealthcare is available through Vivna in 29 states. Dark blue states offer these plans. In addition, every state page shows your ACA options.

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📍 Browse All State Guides

Alabama Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington, D.C. West Virginia Wisconsin Wyoming

📞 Call 888-730-6001

Not sure which plan fits? A licensed agent can compare options in your state at no cost. Call 888-730-6001 today.

Frequently Asked Questions

❓ Short Term Health Insurance FAQs

Short Term Health Insurance can protect you during a gap in coverage. Below, our licensed agents explain how these UnitedHealthcare plans work, where they are sold, and who they fit.

⏱️ How Short-Term Plans Work

What is short-term health insurance?

It is temporary medical coverage for people between plans. For example, it can help after a job loss or while you wait for new coverage. In general, these plans cover services like doctor visits, emergency care, and hospital stays. However, they are not ACA plans. Learn how they compare in short-term vs. ACA coverage.

How long does short-term coverage last?

Vivna offers UnitedHealthcare short-term plans with terms of 3, 6, or 12 months. Need longer protection? Then Tri-Term plans can last up to 36 months in select states. However, each plan has a set end date, so mark it on your calendar. That way, you can line up new coverage on time.

How fast can coverage start?

Coverage can often start as soon as the day after you apply. Plus, you can apply any time of year, without waiting for open enrollment. That makes these plans useful when you face a sudden life change. Simply pick a start date and answer a few health questions.

📍 Coverage Limits & Availability

Does short-term insurance cover pre-existing conditions?

Usually not. Short-term plans can exclude conditions you had before coverage began. They also may limit or skip some benefits, such as maternity care. Because of this, people with ongoing conditions often do better with an ACA plan. Compare both on our health insurance page before you choose.

Can short-term insurance help between jobs?

Yes, it is one of the most common reasons people buy it. Often, it costs less than COBRA for healthy people. Still, compare every option before you decide. Read our guides for life without employer coverage and 1099 workers.

Which states offer short-term health insurance through Vivna?

Currently, Vivna sells UnitedHealthcare short-term plans in 29 states. For example, popular choices include Florida, Texas, Georgia, North Carolina, Arizona, and Ohio. Rules and prices vary by state, however. To see your options, open your page from our state coverage hub.

💲 Costs & Expert Help

How much does short-term coverage cost?

Short-term premiums are often lower than unsubsidized ACA plans. Of course, your price depends on age, location, deductible, and term length. However, you cannot use tax credits with these plans. So compare your total costs, not just the premium. Also, compare these lower-cost plan choices.

Why buy short-term coverage through a licensed agent?

First, our licensed agents explain what each UnitedHealthcare plan covers and excludes. We also check whether an ACA plan might save you more. Best of all, there is no cost for this help. So call 888-730-6001 or request a free quote online today. Learn more about UnitedHealthcare coverage and its plan options.

Answers are general, and plan details vary by carrier and state. Call 888-730-6001 to confirm your options.

Vivna Insurance Blog

📚 Short-Term Health Insurance Tips & Guides

Coverage decisions are easier when you know the basics. So our licensed agents write these guides to explain your options, costs, and enrollment. Then, if a question comes up after reading, call 888-730-6001 anytime.