Short-Term Health Insurance Save 50% or More on Your Monthly Costs

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Availability of plans and policy duration vary by state.

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Simple Application
100% online application.
Budget Friendly
Flexible plan design for your budget.
1 Day Activation
Coverage as soon as tomorrow.
24/7/365 Availibility
Enroll any time during the year.
Find out why 55,000+ Americans chose Pivot Health

Pivot Health 
Short-Term Medical Plans

Flexible, budget-friendly health insurance coverage for up to 364 days *. Get quotes, select plans, and enroll in a few short minutes.

*Policy duration varies by state availability.

Our ​Short Term Medical Insurance Benefits include
  • Up to $1,000,000 in benefits per coverage period
  • A range of deductible choices, to meet your budget, from $1,000 to $10,000
  • Only 20%-30% coinsurance
  • Hospitalization, surgery and medical services coverage
  • Physical therapy
  • Mental health services
  • Home health care and extended care facility
  • On select plans, separate prescription drug benefits and copays on physician visits
  • Coinsurance maximum out-of-pocket as low as $3,000 per person, per coverage period on select plans
  • Child-only coverage available
  • Ovarian cancer screening and one annual pap smear per year, per covered female age 18 and over (on Classic plans)
  • See our short term medical plan brochures: Classic plans | Core plan
A+
Our medical plans are underwritten by an A+ rated insurance company
*Companion Life Insurance Company is rated A+ (excellent) by A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).

Here's When Many Pivot Health Members Choose Short-Term Medical Plans

Evaluating Alternatives to COBRA
Looking for Lower Cost Options
Bridging Temporary Gaps in Coverage
Retiring Early Before Medicare
Full-time Students
Turning 26 and Aging Off Family’s Plan
How do our plans differ from ACA?
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.

OUR MISSION AT PIVOT HEALTH

Find you the most benefits for the budget you desire.

Our Digital Enrollment Process

1
Get Started
Get quote. Compare plans. Dig into our coverage.
2
Enroll in Minutes
From start to finish, apply online in minutes.
3
Get Covered
Get your digital card and covered as early as next day.

At Your Service

If you have a specific question, we’re here to help you. Email, chat, or phone. Your choice.

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
Choice in Provider Networks
Choose from either an All-Access doctor network, or a PPO plan
Additional Non Insurance Benefits
See doctors by phone/video for $49. Rx, vision, and dental discounts.
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
Top notch company and very reasonable rates for real major medical insurance. No need to pay twice as much for an Obamacare plan.
— Jenna
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

Top FAQ’s about 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 not just a digital company, but a team comprised of insurance-industry pros and healthcare technology experts who believe you should be in control of your health insurance shopping experience. 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.

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.

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, individuals who missed the open enrollment period or those who want lower-cost coverage while they decide what to do about enrolling in an Obamacare (ACA) plan.

Short-term health insurance typically costs 50 percent less than Obamacare (ACA) plans. You have a choice of seeing any doctor you want with our open access network or enroll in a PPO network plan. Plus, there are extra benefits associated with the plan that help keep your medical costs under control. In addition to insurance coverage, every member has access to low-cost, non-insurance telemedicine video visits with a licensed physician based in the U.S., and discount vision and eye benefits.

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.

IMPORTANT NOTICE ABOUT SHORT-TERM PLANS:

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.

Short-term health insurance plans are generally less expensive than qualified health plans under the ACA (also called major medical health insurance), but do not offer the same level of coverage. Short-term health insurance plans are intended for people who do not want or cannot afford major medical insurance or who want a temporary form of limited coverage before they obtain major medical health insurance. Among other limitations and exclusions, short term health insurance plans generally do not cover pre-existing conditions (health and other conditions that exist at the time of application) or the minimum essential coverage of the ACA (benefits such as mental healthcare, pregnancy and childbirth, preventive care, etc.).

Short-term health insurance plans are limited in duration and you will stop receiving benefits when the plan expires. Plan duration and whether you can renew or buy a new plan after plan expiration depend on the plan you choose and the laws in your state. After a short-term plan expires (in some cases, in only 3 months), you must reapply to receive further benefits. If you are accepted for an additional term under a short-term health insurance plan, the plan's deductible and other amounts reset so that amounts paid (or the satisfaction of conditions) under the initial plan are ignored. Similarly, whether you have pre-existing conditions will generally be determined anew as of your approval under the new application. Insurance companies and state laws limit the number of times a short-term insurance policy may be renewed and may restrict your ability to apply for more than one consecutive short-term health insurance plan. Please review the plan details and policy terms for the maximum coverage period allowed by the plan you select.

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