Our Buyer's Guide
About Pivot Health

Short-Term Health Insurance

A Budget-Friendly Option to Reduce Your Monthly Costs

Start by Adding Your ZIP Code

Join the thousands of members we've covered

Short-Term Health Insurance
A Budget-Friendly Option to Reduce Your Monthly Costs

Start by Adding Your ZIP Code

Join the thousands of members we've covered

See ACA Disclaimer
Availability of plans and policy duration vary by state.
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Here's How It Works



Get yourself a personalized quote in seconds by answering a few questions


Compare & Select

Compare your personalized plan options and pick the best one for you


Verify & Checkout

If approved, pick your payment method and you’re covered as soon as tomorrow!

Personalized for you looking for


Looking to evaluate alternatives for COBRA

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Looking for economical options


Looking to bridge gaps in coverage


Looking for plans with PPO Network

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Looking to enroll as a college student

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Looking to get insurance for the first time

See More Reviews

Been with Pivot Health for a while...great alternative to extremely expensive medical care… Nice to have options!!

- Mom in Texas

LOOOOOVE how simple this is! Amazingly easy process. Thank you for making this painless. Blessings!

- Bridgette Burleson

Sign up is fast and easy to complete online... ID card, policy, and other information is easy to download once you establish your online account. Thumbs up!

- Rebecca

I’m very happy with the knowledgeable sales staff that explains the differences in policies which I need in this complicated world of health care!

- Rio

How Pivot Health Is Different

Designed for Flexibility

Different price points, coverage levels, and policy lengths to provide flexibility

Easy Online Enrollment

We’ve built our enrollment process and our coverage with the digital consumer in mind

Highly Rated

Our customers consistently rate us “Excellent” on Trustpilot.

Telehealth Included in All Plans

Visit your doctor from the comfort of your home.

Don’t Risk Going Without Health Insurance

Please enter your 5-digit ZIP code.

Top FAQs about Pivot Health

Who is Pivot Health?

Healthcare is expensive. Health insurance doesn’t need to be. We help you build a health plan that works for your busy life at a price you can afford.

Pivot Health is the operating coverage unit of HealthCare.com, and a licensed insurance agency, product marketing and development company. We strive to educate you about healthcare with in-depth information and remove pain-points that might keep you from feeling confident about your insurance purchase. At Pivot Health, we believe in transparency and invite you to ask questions online, send us an instant message, give us a call or email us for more details. No matter how you communicate, we are right there with you, assisting your decision-making process to ensure you get a health insurance plan that makes sense for your lifestyle and budget.

What's covered in our plans?

Plans offer coverage for a variety of medical services like doctor office visits, emergency room care, hospital stays, surgery and more after a deductible is met.

Some plans offer doctor office copays for primary care and Urgent Care. Each plan also includes coinsurance, which is the portion an insured is required to pay after the deductible is met.

It is important to review the Plan Details and understand full services provided, coinsurance out-of-pocket maximums, exclusions and limitations.

See brochure

What is short-term health insurance?

Short-term health plans are temporary coverage that can offer financial protection for medical services such as doctor office visits, emergency room visits, hospital stays and more. Short term medical plans can be a flexible option for individuals in an employer waiting period, between jobs or individuals who missed the open enrollment period.

How do our plans differ from ACA?

It is important to know short term medical health plans are not required to meet the essential standards of the Affordable Care Act, and in some states, the length of a policy might be limited according to state-specific rules. Pre-existing conditions are also not initially covered by short term health insurance, and companies are allowed to ask medical questions in order to qualify an individual for coverage.

Do Pivot Health policies cover pre-existing conditions?

In most states, pre-existing conditions diagnosed within the past 5 years are generally not covered under this plan. However, qualifying conditions you develop throughout the year while insured by a short-term plan could be covered. Certain exclusions apply. See plan details for more information

PivotHealth.com is the website domain of PivotHealth Holdings, LLC (Pivot Health), a wholly-owned subsidiary of HealthCare, Inc. This website serves as an invitation for you, the customer, to inquire about further information regarding health insurance, and submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on cost and coverage of insurance.

Pivot Health develops and markets a portfolio of proprietary health insurance and supplemental insurance products under the Pivot Health brand in addition to serving as a licensed broker under PivotHealth Holdings, LLC. Pivot Health may earn revenue for clicks, calls and insurance applications generated, and may be compensated by its advertisers for sponsorship. Compensation may impact where and in what order insurance products appear. Pivot Health’s platforms do not include all health insurance companies or all available insurance products.

ACA enrollment availability varies by state. Short-term health insurance can be purchased at any time.


This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Policy/Certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your Policy/Certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.

About the Cigna PPO Network†

Pivot Health is an independent company and is not an affiliate of Cigna. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company. The Cigna name, logo and other Cigna marks are owned by Cigna Intellectual Property, Inc.

† The Cigna PPO Network refers to the network of providers (doctors, hospitals, specialists) contracted as part of the Cigna PPO Network for Shared Administration, provider counts as of November 1, 2018. Data is subject to change.

About Website Accessibility:

If you are experiencing difficulty accessing our website content or require help with site functionality, please use one of the contact methods below.

For assistance with Medicare plans dial 888-391-5203

For other plans please dial 888-380-0672






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