Discover the benefits of a Short Term Medical plan with UnitedHealthcare.

Find the answers to your questions here.

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United Healthcare STM

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Any amount of time without health insurance is too long.

UnitedHealthcare Short Term Medical insurance includes flexible plan designs and options to help you and the plan that fits your needs, budget, and in this case, your time frame.

It is ideal for those who are:

  • Ineligible for Obamacare subsidies
  • Looking for access to a PPO network
  • Bridging the open enrollment gap
  • Part-time or temporary employees
  • Without adequate health insurance
  • Between jobs or have been laid-off
  • Waiting for employer benefits to start

A Long History with Health Insurance for Short Terms

Through Golden Rule Insurance Company, which became part of UnitedHealthcare in 2003, UnitedHealthcare has been in the personal insurance business more than 75 years and has offered a Short Term Insurance product for over 30 years.

They’re not new to the industry and not looking to take advantage of the latest trends in insurance. UnitedHealthcare has made a commitment to people like you, looking for health insurance coverage solutions. 

UnitedHealthcare offers Short Term health insurance products, with access to a large provider network, that serves a necessary purpose for our customers who are between longer-term health care coverage solutions or simply cannot afford the premiums for plans on the healthcare marketplace.

Are there Cost Advantages to a Short-Term Insurance Plan?

In general, a Short-Term Health Insurance premium is significantly less than that of an ACA plan. For some people, this is one of the most important factors in choosing what’s affordable health insurance to them. But premium shouldn’t be the only cost consideration.

  • With an ACA plan, you may be eligible for tax credits or subsidies for which a Short-Term health insurance plan does not qualify. That won’t make an ACA plan anyone’s idea of cheap health insurance, but it may move the price of the plan much closer to your budget.
  • Since a Short-Term insurance plan isn’t required to include the 10 essential health benefits defined in the ACA, you can choose a less expensive plan that offers less coverage.
  • An ACA plan covers preexisting conditions, but with a Short-Term plan, you should expect to pay the costs related to preexisting conditions without coverage.
What’s the Difference Between Affordable Health Insurance and Cheap Health Insurance?

The difference may be in understanding what you’re getting. Short-term health insurance is not ACA insurance. If you accept the limited benefits and duration of a short-term insurance plan, then it may be affordable health insurance for you that fits a temporary insurance need. If you don’t, it may seem like cheap health insurance that doesn’t have all the benefits you want.

Buying health insurance for short terms may be the right choice for you right now, but it won’t be ACA coverage. Be aware of what you are and aren’t getting for the price.


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Underwritten By:

Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Optional benefits require an additional premium cost. Products vary by state. Some UnitedHealthcare Short Term Plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required. 

1 Short term plans are medically underwritten. 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. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.

2 Some states excluded.4 Term lengths available can vary by state. 1UnitedHealth Group Annual Form 10-K for year ended 12/31/19. UHONESTMR13

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