Best Short-Term Health Care Insurance Options In 2025

Have you ever wondered what happens if you're between jobs or waiting for a new health plan to begin? Many people face this gap each year, and that's where short-term health insurance comes in.

These plans can give you peace of mind for a few weeks or several months, but the choices can feel overwhelming. In 2025, the market will have expanded, and new options are worth knowing about. Let's walk through the top choices available right now.

UnitedHealthcare Short-Term Medical

UnitedHealthcare remains a significant player in temporary coverage. Their plans often allow you to pick your doctor and have a wide provider network. Coverage can last from a few months up to a year in some states. One of the most significant advantages here is the flexibility in deductible and premium combinations, letting you balance monthly costs with what you'd pay out of pocket.

National General Accident & Health

National General has built its short-term health plans with budget-conscious individuals in mind. They offer lower premiums than many competitors, though with higher deductibles. These plans are often chosen by people who mainly want protection against major unexpected medical bills rather than day-to-day doctor visits. Many policies also include discounts on prescriptions and virtual doctor consultations.

IHC Group

IHC Group provides several types of short-term plans with varying levels of coverage. They are known for straightforward policy language and options that can cover preventive care, urgent care visits, and emergency services. While not the cheapest option, IHC is often praised for strong customer service and quick claims handling, which can matter a lot when you’re managing care during a transition.

Pivot Health Short-Term Insurance

Pivot Health has gained attention for offering plans that include modern perks like telemedicine and prescription savings cards. Their policies often appeal to freelancers, gig workers, and people in transition because of customizable terms ranging from 30 days to 364 days. Pivot is known for offering tools that help you shop around for the lowest cost medical services, which can be a significant advantage.

Blue Cross Blue Shield Association (State-Based Short-Term Plans)

Some Blue Cross Blue Shield companies in different states have started to offer short-term coverage. These plans are attractive for people who prefer sticking with a well-known provider and want access to broad networks. Benefits vary widely depending on the state, but in 2025, many have improved offerings, including partial preventive care coverage and extended policy terms.

Everest Reinsurance Short-Term Medical

Everest offers short-term health insurance policies designed to cover significant unexpected expenses. They offer multiple deductible options, including benefits for emergency services, hospital stays, and some doctor visits. These plans may not cover preventive care, but they serve well as a safety net. They're often chosen by individuals who need temporary coverage while moving between employer-based health plans.

Companion Life Insurance Company

Companion Life's short-term health insurance plans focus on flexibility. Coverage terms can be as short as 30 days or as long as 364 days, depending on state rules. They also offer guaranteed renewable terms, allowing some policyholders to extend coverage if needed. People who choose Companion Life often highlight their straightforward enrollment process, making them a popular choice for those who need insurance quickly.

Allstate Health Solutions

Known for its brand strength in other types of insurance, Allstate has stepped up in 2025 with competitive short-term health insurance plans. These policies can cover doctor visits, hospitalization, and emergency services. Many plans also provide access to discount programs for prescriptions and wellness care. Customers often choose Allstate for the trust factor that comes with the brand name.

Independence American Insurance Company

This company is part of a larger network that specializes in niche health coverage. Their short-term medical plans are designed to be affordable while still offering a decent safety net. In 2025, they’ve expanded access to telemedicine and urgent care visits at a lower out-of-pocket cost. They’re often a go-to for individuals who want low monthly payments during a brief coverage gap.

Health Insurance Innovations (HII)

Health Insurance Innovations is more of a marketplace than a single insurer, but they make it easier for individuals to shop and compare short-term health policies from multiple carriers. Their online tools allow people to customize coverage length, deductible, and benefits. This option works well for anyone who wants to quickly compare offers and find a plan that balances cost with protection.

Vantis Life Short-Term Medical

Vantis Life is a lesser-known provider, but its short-term plans are gaining traction in 2025. They offer policies that can bridge gaps of up to a year, with options for both individuals and families. What stands out is their focus on affordability, giving enrollees lower monthly premiums while still covering emergencies, hospitalization, and doctor visits. Their digital-first application process makes it simple to get covered within a day, which is a significant draw for people needing quick approval.

Companion HealthCare Solutions

Companion HealthCare Solutions has introduced flexible short-term insurance products tailored for freelancers and independent workers. Their policies include benefits for office visits, urgent care, and limited preventive services. One feature that sets them apart in 2025 is bundled telehealth coverage at no extra cost, making it easier to handle routine issues without stepping into a clinic. For people looking for a balance between price and practicality, these plans are becoming a popular pick.

What To Keep In Mind When Choosing?

While these are some of the most talked-about options in 2025, not all short-term health insurance policies are the same. Unlike Affordable Care Act (ACA) plans, many of these don't cover pre-existing conditions or complete preventive care. You'll want to look closely at exclusions, deductibles, and network limitations before deciding. Short-term insurance is ideal for healthy individuals seeking protection against emergencies until they can secure longer-term coverage.

Getting Coverage That Fits Your Life

Short-term health insurance can be an innovative solution for people in transition—whether that's waiting for a new job, ageing off a parent's plan, or moving between open enrollment periods. The good news in 2025 is that the market is broader than ever, with choices that suit different budgets and needs. By understanding the top players and what they offer, you can pick a plan that keeps you covered until your long-term health care kicks in.