Short Term Plans

Life doesn't always wait for the perfect timing.

Whether you're between jobs, waiting for new coverage to start, or need a simple temporary solution, you shouldn’t have to go without protection.

But choosing the wrong short-term plan can leave you exposed.

At Mere, we help you find a short-term health plan that bridges the gap — without unnecessary confusion or surprise costs.

The Problem:

You need fast coverage — but you don’t want to gamble with your health or finances.

The Solution:

Short-Term Medical Insurance can offer you temporary coverage for:

Unexpected illnesses
Accidents and injuries
Hospital stays

Why People Choose It:

Fast approval
Budget-friendly premiums
Flexible start dates

How It Works:

Short-Term Medical Insurance can offer you temporary coverage for:

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Ready to secure your peace of mind through the best insurance plan for you and your family?

Look no further! Mere is here to guide you every step of the way.

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A Word of Caution:

Short-term plans aren’t meant for long-term coverage — and federal rules currently limit these plans to just 4 months.

New regulations could change with a future administration, so it’s important to check with us for the latest updates.If you’re unsure whether a short-term plan is right for you, reach out to our team — we’ll guide you to the best option for your situation.

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Short-Term Health Insurance FAQs

What is short-term health insurance?

Short-term health insurance offers temporary coverage for unexpected medical needs, designed to bridge gaps between longer-term coverage.

Who might need a short-term plan?

People between jobs
Recent college graduates
Early retirees waiting for Medicare
People outside Open Enrollment without a qualifying event
New employees waiting for employer benefits to start

How long can a short-term plan last?

Currently, short-term plans can last up to 4 months due to recent legislation.

(Previously, some plans lasted up to 12 months or longer, but this changed.) This time limit could be adjusted by future administrations, so it's a good idea to check with us for the latest rules before applying.

Is a short-term plan the same as regular health insurance?

No. Short-term plans are not ACA (Affordable Care Act) compliant. They may not cover:

Pre-existing conditions
Preventive care
Maternity services
Mental health services

They're designed for unexpected illnesses or accidents — not routine care or ongoing health needs.

Will I qualify for a subsidy or discount?

No. Short-term health insurance does not qualify for government subsidies (like Marketplace plans do). It is private, stand-alone coverage.

Do I have to pass medical questions to be approved?

Typically, yes. You’ll answer basic health questions during the application process. Some conditions could cause a denial.

What happens when my short-term plan ends?

When your short-term coverage ends, you’ll either need to:

Apply for a new short-term plan (if allowed)
Enroll in a longer-term plan during Open Enrollment or after a qualifying life event
Discuss other options with us to make sure you stay covered