Explain what short-term plans are Who they’re for (coverage gaps, transitional periods, emergencies)Disclaimer that it’s not a replacement for ACA-compliant insurance
2. What Is Short‑Term Health Insurance?
Coverage limits, term lengths (up to 364 days), renewability Differences from ACA marketplace plans (no essential benefits, no coverage of pre‑existing conditions)
3. Who Should Consider It?
Young & healthy individuals Job gapsA waiting other coverage (e.g., COBRA, employer start dates)Travelers or students temporarily in the U.S.
4. Pros & Cons Pros:
Lower premiums ($100–200/month average) Anytime signup, flexible terms Cons:Doesn’t cover essential benefits (maternity, mental health, prescriptions)Pre‑existing conditions excluded Coverage caps ($250K–$1.5M)
5. Top Providers in 2025
Highlight 3–4 leading companies, with their standout features and average monthly rates:Pivot Health – Low premiums (~$120), optional prescription, 0% coinsurance plans Everest Flex Term – Flexible coverage (up to $1.5M), multiple coinsurance options ($150/month avg) UnitedHealthcare (Golden Rule) – Broad network, prescription coverage, ~$222/month Additional names: Allstate, Sidecar, Aetna etc.
6. Cost Breakdown & Typical Premiums National average:
- $150–$220/month for a healthy 30 Year-old woman Money Geek range: $76–$641, deductibles $1,000–10,000 Explain factors: age, location, term length, state regulations
7. How to Choose the Right Plan
Compare premiums, deductibles, coinsurance Check coverage caps and network (in/out-of-network)Look for add‑ons (prescriptions, telemedicine, mental health)State availability (some states restrict or ban these plans)
8. Conclusion & Next Steps
Recap when short-term makes sense Direct readers to compare multiple quotes (link to aggregator)Include CTA (e.g., “Get a free quote now,” “Check state availability today”)
