the benefits of short-term health insurance

Short-term health insurance, also known as “temporary health insurance” or “term health insurance,” covers basic health care costs for short periods and is intended to be a stop-gap measure between two long-term health insurance plans. Short-term health insurance may be a good option for those who are in between jobs, waiting for other health insurance coverage to begin, or waiting for Medicare eligibility, or those without health insurance outside of Open Enrollment or a Special Enrollment Period.

The minimum coverage term for a short-term health insurance plan is 30 days. The maximum term varies by State. In Ohio, the maximum term is 360 days.

Unfortunately, short-term plans do not qualify for tax subsidies under the Affordable Care Act (ACA). However, short-term plans are generally more cost effective than ACA plans, so the option may still make sense for your situation.

Click here to learn about the advantages and disadvantages of short-term health insurance.

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ARC Benefit Solutions, Inc. is a wholly-owned subsidiary of CBISA Holdings, Inc., which is licensed as an insurance agency in all states in which it sells. Not all agents are licensed to sell all products. Service and product availability vary by state. Sales agents may be compensated based on a consumer’s enrollment in a health plan. Not connected with or endorsed by the U.S. Government or the federal Medicare program. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. ARC Benefit Solutions currently represents 15 organizations and more than 16,000 total possible plan options, depending upon your county of residence. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. This site contains decision-support content and information about Medicare, services related to Medicare, and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at