Best Temporary Health Insurance in 2025 (Your Guide to the Top 10 Companies)
Cigna, Aetna, and Humana offer the best temporary health insurance, with rates as low as $85 per month. These top health insurance companies fills short-term gaps and provides comprehensive coverage and competitive rates, making them suitable for individuals seeking discounts and peace of mind.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Dec 22, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage Temporary Health Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage Temporary Health Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
Our Top 10 Company Picks: Best Temporary Health Insurance
Company | Rank | Life Insurance Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 30% | A | Extensive Network | Cigna | |
#2 | 18% | A | Flexible Plans | Aetna | |
#3 | 25% | A- | Integrated Care | Humana | |
#4 | 28% | A+ | Additional Benefits | UnitedHealthcare | |
#5 | 22% | A | Affordable Premiums | Kaiser Permanente | |
#6 | 20% | A+ | Wellness Programs | Blue Cross Blue Shield | |
#7 | 23% | A | Member Discounts | Prudential | |
#8 | 29% | B+ | Low Costs | Molina Healthcare | |
#9 | 24% | A- | User-Friendly App | Oscar | |
#10 | 15% | A | Comprehensive Coverage | Ambetter |
- Cigna offers coverage with liability protection at $85/month
- Explore the top-rated temporary health insurance providers
- Use expert reviews to select the best fit for your health needs
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#1 – Cigna: Top Overall Pick
Pros:
- Excellent Customer Service: Cigna is renowned for its exceptional customer support, consistently ranking high in satisfaction surveys and offering personalized assistance.
- Competitive Pricing: Cigna provides competitive rates for auto, home, and life insurance, along with discounts for members.
- Membership Benefits: Cigna offers exclusive benefits such as financial planning services and discounts on various products and services.
Cons:
- Limited Eligibility: Membership is restricted to military personnel and eligible family members.
- Availability Restrictions: According to our Cigna health insurance review, not all insurance products may be available in every location served.
#2 – Aetna: Best for Flexible Plans
Pros:
- Comprehensive Coverage: Based on our Aetna health insurance review, Aetna offers temporary health insurance among its range of products.
- Convenient Self-Service Tools: Aetna offers user-friendly online account management and bill payment options, enhancing customer convenience.
- Trusted Brand Reputation: Aetna’s reputable brand may instill confidence in customers seeking temporary health insurance.
Cons:
- Limited Information: Aetna lacks specific details about their temporary health insurance policies.
- Targeted Online Advertising: Aetna’s use of targeted online advertising may raise privacy concerns for some customers
#3 – Humana: Best for Integrated Care
Pros:
- Premier Whole Life Coverage: Humana offers best temporary health insurance plans, ensuring protection for long-term financial stability.
- Excellent Service: Renowned for outstanding customer support, Humana insurance’s agents provide personalized assistance, enhancing satisfaction.
- Community Commitment: Humana insurance contributes to community well-being, earning favor among socially conscious customers.
Cons:
- Limited Availability: According to our Humana health insurance review, their services may be geographically limited, posing challenges for those outside its operational areas.
- Pricing Variability: While comprehensive, Humana insurance’s pricing may not always be the most competitive, prompting cost-conscious customers to explore alternatives.
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#4 – UnitedHealthcare: Best for Additional Benefits
Pros:
- Versatile Coverage: UnitedHealthcare offers diverse temporary health insurance options for tailored protection.
- Personalized Service: Wide agent network provides personalized guidance.
- Financial Stability: Based on our UnitedHealthcare insurance review, solid reputation ensures reliability for policyholders.
Cons:
- Limited Online Tools: Online services may lack advanced features.
- Cost Consideration: Premiums, especially for temporary health insurance, may be relatively higher.
#5 – Kaiser Permanente: Best for Affordable Premiums
Pros:
- Financially Secure: Kaiser Permanente ensures long-term obligations like policy payouts.
- Customizable Policies: According to our Kaiser Permanente insurance review, they offer flexible coverage tailored to individual needs.
- Excellent Service: Kaiser Permanente consistently delivers top-tier customer support.
Cons:
- Higher Premiums: Kaiser Permanente’s temporary health insurance may have relatively higher costs.
- Limited Availability: Access to Kaiser Permanente’s policies may be restricted for some demographics.
#6 – Blue Cross Blue Shield: Best for Wellness Programs
Pros:
- Extensive Coverage Options: Blue Cross Blue Shield insurance provides diverse coverage options, including temporary health insurance, ensuring customers can find the optimal policy.
- Simple Application Process: Through user-friendly online tools and agent assistance, they simplifies the application process for customers.
- Membership Benefits: Blue Cross Blue Shield offers additional perks, potentially enhancing the value of their temporary health insurance policies.
Cons:
- Limited Availability: Our Blue Cross Blue Shield insurance review stated that their life insurance may not operate in all states.
- Nicotine Usage Impact: Premiums may be higher for nicotine users, potentially affecting individuals seeking the best temporary health insurance.
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#7 – Prudential: Best for Member Discounts
Pros:
- Financial Stability: Prudential insurance group’s A+ rating from A.M. best ensures strong reliability.
- Diversity and Inclusion: Prudential’s commitment to diversity makes them suitable for inclusive coverage.
- High Retention: With over 90% customer retention, Prudential is a popular choice.
Cons:
- Limited Insurance Focus: Prudential may offer fewer options for temporary health insurance.
- Agent Availability: Based on our Prudential health insurance review, accessibility to agents may be limited in certain regions.
#8 – Molina Healthcare: Best for Low Costs
Pros:
- Wide Coverage: Trusted since then, Molina Healthcare offers comprehensive temporary health insurance.
- High Trust: With a 9 out of 10 recommendation rate based on our Molina Healthcare insurance review, they prioritize customer satisfaction.
- Financial Guidance: They provide investment products and planning services for long-term security.
Cons:
- Limited Information: Detailed info on temporary health insurance may require direct inquiry.
- Service Complexity: Their diverse services might overwhelm those seeking solely temporary health insurance.
#9 – Oscar: Best for User-Friendly App
Pros:
- Affordable Rates: Oscar insurance offers up to $24 in potential annual savings compared to traditional health insurance.
- Tailored Coverage: Policies can be customized to suit individual needs.
- Convenient App Features: The Oscar app provides trip monitoring, car health diagnostics, and street sweeping alerts.
Cons:
- Restrictions: According to our Oscar health insurance review, restrictions may be inconvenient to some users.
- Limited Availability: Services are currently limited to select states.
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#10 – Ambetter: Best for Comprehensive Coverage
Pros:
- Excellent Claims Service: Based on our Ambetter health insurance review, they excel in claims handling, vital for reliable health insurance.
- Customer-Centric: Ambetter prioritizes customer satisfaction, evident in positive feedback and support for clients.
- Cost-Effective: Ambetter offers competitive rates, promising potential savings for temporary health insurance seekers.
Cons:
- Limited Availability: Ambetter operates in specific states, limiting access for those seeking temporary health insurance elsewhere.
- Lack of Ambetter Certification: Absence from the certification program raises concerns about recognition in the insurance industry.
Temporary Health Insurance Explained
Those who need temporary health insurance are:
- Those waiting to be enrolled in a group plan by a new employer
- Recent college graduates
- Those transitioning from a spouse or parent’s health plan
- Those making a career change
- Those who are seasonally employed
- Those needing coverage outside of the open enrollment period
- Those waiting for enrollment in Medicare after retirement
- Prescription drugs
- Pediatric services
- Preventive and wellness services and chronic disease management
- Emergency services
- Hospitalization
- Mental health and addiction services
- Pregnancy, maternity, and newborn care
- Ambulatory patient services
- Laboratory services
- Rehabilitative and habilitative services and devices
(For more information, read our “Will health insurance pay for mental health?“).
Monthly Rates for Temporary Health Insurance
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Aetna | $100 | $200 |
Ambetter | $97 | $195 |
Blue Cross Blue Shield | $115 | $230 |
Cigna | $85 | $175 |
Humana | $90 | $180 |
Kaiser Permanente | $110 | $220 |
Molina Healthcare | $95 | $190 |
Oscar Health | $102 | $205 |
Prudential | $112 | $225 |
UnitedHealthcare | $105 | $210 |
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About Temporary Health Insurance
Case Studies: Temporary Health Insurance
Explore the experiences of individuals navigating temporary health insurance guides in various life stages and circumstances.
- Case Study 1 – Temporary Health Insurance Coverage: John, a freelance graphic designer, chose temporary health insurance during his transition to self-employment, covering essential services for a year but excluding pre-existing conditions and maternity care.
- Case Study 2 – Experience With Temporary Health Insurance: Sarah, a recent graduate, used temporary health insurance during a job transition for emergency coverage but lacked benefits for pre-existing conditions and maternity care, bridging the gap until her employer’s insurance began.
- Case Study 3 – Limited Coverage With Temporary Health Insurance: Mark, a self-employed contractor, used temporary health insurance while searching for long-term coverage. Lasting six months, his plan covered basic medical services but excluded pre-existing conditions, maternity care, and wellness visits.
Frequently Asked Questions
What is temporary health insurance?
Temporary healthcare plans typically bridge a short-term gap and can help you if you experience an accident or major illness during a period when you don’t have comprehensive health insurance. Enter your ZIP code to compare heath insurance now.
What does temporary health insurance cover?
Although temporary health insurance does not cover pre-existing conditions, it can provide coverage for certain services such as routine office visits, preventive care, maternity care, mental health services, and prescription drugs.
Who is temporary health insurance for?
Those who need temporary health insurance are:
- Those waiting to be enrolled in a group plan by a new employer
- Recent college graduates
- Those transitioning from a spouse or parent’s health plan
- Those making a career change
- Those who are seasonally employed
- Those needing coverage outside of the open enrollment period
- Those waiting for enrollment in Medicare after retirement
Which companies offer short-term health insurance?
Everest, Pivot Health, UnitedHealthcare, and IHC Health Group are among the companies offering temporary health insurance coverage. Enter your ZIP code below to find temporary health insurance near you.
There are also small providers. For example, if you live in Illinois or Indiana, see our Magnum health insurance review.
How do I enroll in a short-term health insurance plan?
You typically apply online with a short questionnaire about your health and medical history to determine your rates.
How much does temporary health insurance cost?
Temporary health insurance typically has lower premiums because coverage is limited, but your medical history will be considered before you are provided with coverage. For example, if you have pre-existing conditions or a health problem prior to the date your new coverage is expected to start, you may be denied coverage. Start comparing by entering your ZIP code.
Is temporary health insurance considered minimum essential coverage under the Affordable Care Act (ACA)?
No, temporary health insurance is not considered minimum essential coverage under the ACA.
Can you renew or extend temporary health insurance coverage?
Some temporary health insurance policies offer renewal or extension options, allowing individuals to continue coverage beyond the initial policy period. However, it’s important to review the terms and conditions of the policy, as there may be limitations or requirements for renewal. Renewal or extension options may also vary by state and insurer. For an instance, if you’re overweight, all related details can be found in our top health insurance provider for overweight applicants.
Can temporary health insurance be used as a substitute for comprehensive health insurance?
Temporary health insurance is not intended to be a substitute for comprehensive health insurance. It is designed to provide temporary coverage during transitional periods. It may not offer the same level of benefits, coverage, or protection as comprehensive health insurance plans, and it may not cover pre-existing conditions or certain essential health benefits.
How to Get Temporary Health Insurance Coverage?
To acquire temporary health insurance coverage, individuals can explore private insurers or online marketplaces, comparing plans and completing the application process, ensuring to review policy terms for coverage limitations and exclusions. Find out more by entering your ZIP code.
What You Need to Know About Temporary Health Insurance?
Temporary health insurance serves as a short-term solution during transitions like unemployment or waiting for employer coverage, offering limited benefits. Understanding its limitations and exclusions is essential before purchasing to ensure it meets your needs.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.