UnitedHealthcare (UHOne)
Flexible short-term coverage with broad networks and fast enrollment.
⭐⭐⭐⭐⭐ Adriana M.
Needed coverage between jobs. The process was quick and clear—exactly what I needed for a short period.
Isaac Orraiz – Insurance Agent
Short Term Medical (STLDI)
Bridge a gap in coverage—fast, flexible, and clearly explained
Designed to help during short gaps—like between jobs or while waiting for other coverage to begin. This is not Minimum Essential Coverage (ACA), excludes preexisting conditions, and has important limitations that vary by state.
Self-enrollment
Pick a carrier and get covered fast
Compare plans from trusted short-term medical partners and enroll online in minutes. Prefer help? I’m one message away.
Pivot Health
Budget-friendly options and multiple term lengths to bridge coverage gaps.
ManhattanLife
Straightforward short-term plans that can pair with supplemental benefits.
Allstate Health Solutions
Short-term medical choices with add-ons to customize your protection.
About Isaac
Your trusted advisor for gap coverage
I help you understand when short-term coverage may make sense and when an ACA plan or other option may be a better fit.
Isaac Orraiz
Licensed Health-Insurance Agent
What is Short Term Medical?
Short-Term Limited-Duration Insurance (STLDI) is temporary medical coverage meant to last months—not years. It can help with unexpected illness or injury during a gap, but it is not ACA coverage and typically doesn’t cover preexisting conditions, preventive care requirements, or certain benefits such as maternity or mental health. Always review details in the quote flow and policy documents for your state.
Who might qualify?
Eligibility and terms vary by state and underwriting. Generally, STM is designed for:
- People between jobs or waiting for other coverage to start
- Healthy applicants who don’t need ongoing care for preexisting conditions
- Individuals who want fast effective dates (where available)
- Those comfortable with benefit limits and potential exclusions
Short term medical is not a substitute for comprehensive ACA coverage. Read all notices and policy terms carefully.
Ready to see plans and pricing?
Our secure quote flow walks you through options in just a few minutes. No obligation to enroll.
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Common Questions
No. STM is not Minimum Essential Coverage and does not include ACA protections or essential health benefits.