Short Term Medical coverage — fast, flexible, and clearly explained
Designed to help bridge a gap in coverage for a limited time. This is not Minimum Essential Coverage (ACA) , doesn’t cover preexisting conditions, and has other important limitations. Availability and terms vary by state and by plan.
You can apply for coverage using the secure link below:
Temporary coverage
Intended for short gaps—like between jobs or while waiting for other coverage to begin.
Not ACA/MEC
Does not meet ACA requirements. Preexisting conditions are excluded and benefits are limited by the policy.
Quote online
Use the secure UHOne link above to see plans and pricing for your state.
Important duration update: For policies sold or issued on or after Sept 1, 2024, federal rules limit Short-Term Limited-Duration Insurance (STLDI) to an initial term of no more than 3 months and a maximum total duration of 4 months including any renewals or extensions. Historically, some short-term offerings were available for longer periods; current availability and term lengths depend on state rules and carrier filings. Always review the details shown in the quote flow before applying.
Common use cases
- Between jobs or new-hire waiting periods
- Missed Open Enrollment and no Special Enrollment Period
- Recent graduates or early retirees bridging to other coverage
What it generally doesn’t include
- Coverage for preexisting conditions
- Comprehensive preventive/maternity benefits like ACA plans
- Guaranteed renewability or long-term continuation
Before you apply
- Confirm your doctors and facilities in the quote flow
- Choose a deductible you can actually afford
- Consider pairing with supplemental coverage if needed
Underwriter: Most UnitedHealthOne® plans are underwritten by Golden Rule Insurance Company (a UnitedHealthcare company). Product availability varies by state and form; not available in all states.
Not Minimum Essential Coverage: Short Term Medical is not ACA coverage and may have limits, exclusions, and waiting periods. Preexisting conditions are typically not covered.
Quoting link use: Residents of South Carolina cannot use the E-Store link. Use of the E-Store link is subject to carrier terms.
This page is for general information only and does not describe all limitations or terms. Always review the brochure, notices, and policy/certificate in your state before applying.