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Short-Term Health Insurance in Texas

Navigating the world of health insurance often feels daunting. With terms like COBRA, marketplace insurance, and Obamacare tossed around, you may feel lost trying to find the right coverage for your unique needs. Whether you need coverage for a few months or up to one year, Custom Health Plans offers various health insurance options, including short-term health insurance for individuals and families in Plano, the Dallas-Fort Worth Metroplex, Austin, San Antonio, and Houston, TX. With our flexible short-term health insurance plans, you can have peace of mind, knowing you’re safeguarded against unforeseen gaps in coverage.

If you are looking for the lowest rates on temporary health insurance in Texas, we can help. At Custom Health Plans, we offer all the best short-term plans at the absolute lowest rates anywhere. Fill out our online form for a quote, or contact us today to see how much you could save.

What Is Short-Term Health Insurance?

Short-term health insurance, also known as temporary health insurance, is a type of coverage that fills gaps between long-term plans. It’s an excellent option for those transitioning between jobs, waiting for other insurance to start, or those who missed their open enrollment period. Unlike COBRA insurance, which can be costly, short-term health insurance provides more affordable solutions during periods of uncertainty. Our short-term health insurance plans are ideal coverage solutions for a variety of situations, including:

  • Transitioning Between Jobs – If you’re between jobs and are waiting for your new employer’s health benefits to start, a short-term health insurance plan can provide temporary coverage.
  • Graduating from College – Recent college graduates searching for a job can benefit from short-term health insurance until they secure employment with health benefits.
  • Part-Time or Temporary Workers – Individuals who work part-time or temporarily and are not provided health insurance by their employer may find short-term health insurance a viable option.
  • Retirees Waiting for Medicare – If you retire before age 65 and are not yet eligible for Medicare, short-term health insurance can provide coverage.
  • Uninsured Due to Life Circumstances – If you are uninsured due to specific life circumstances, such as being unable to afford traditional insurance, a short-term plan can provide protection against catastrophic health care costs.

What Does Short-Term Health Insurance Cover?

Our short-term health insurance plans cover a wide range of medical services. From hospitalization expenses, diagnostic tests, and emergency room visits to surgical procedures, we’ve got you covered. It’s important to note that while these plans provide comprehensive coverage for unexpected illnesses and injuries, they may not cover preventative care for pre-existing conditions. We encourage you to explore our plans to understand the specifics of coverage. Our team of experienced professionals can help you navigate the complexities of health insurance and find the right plan for your specific situations.

Benefits of Short-Term Health Insurance

One of the most significant benefits of short-term health insurance plans is their flexibility. Unlike traditional health insurance, short-term plans can be purchased at any time throughout the year, not just during an enrollment period. They also offer a wide range of coverage options, allowing you to tailor your plan to fit your needs and budget. Moreover, short-term health insurance is often less expensive than other health insurance options, such as Obamacare or marketplace-related insurance, making it an attractive option for many Texans. Here is a look at some of the benefits of short-term health insurance plans:

  • Flexibility and Speed – Short-term health insurance plans can be purchased at any time of the year and take effect quickly, often within 24 hours of application. This rapid coverage makes them a great solution during unexpected coverage gaps.
  • Affordability – Short-term health insurance is usually more affordable than traditional insurance plans. It provides essential coverage without the high costs associated with comprehensive plans.
  • Coverage for Essential Medical Services – While not as comprehensive as traditional plans, short-term insurance covers a wide range of essential medical services, such as emergency care, hospitalization, and some prescription medications.
  • Peace of Mind – Short-term health insurance offers peace of mind during transitional periods. It protects against the financial strain of unexpected medical costs during gaps in long-term coverage.
  • Ease of Cancellation – Unlike traditional health insurance plans, short-term plans generally do not have a binding contract. This means you can cancel your plan at any time without penalty.

Parents and child walking holding hands in field

Who is Short Term Health Insurance For?

Short Term Health Plans are a great solution if:

  • You’ve lost coverage due to a recent career or life change;
  • You missed the open enrollment period and need coverage now;
  • You’re a student or graduate no longer covered under your parents’ insurance;
  • You’re a seasonal worker;
  • You’ve retired but have to wait for Medicare eligibility;
  • You’re looking for an affordable health insurance solution.

Short Term Health Insurance Infographic

What Do Short Term Health Plans Cover?

Short Term Health Plans come in a variety of forms, offering you a choice of coverage to fit your specific insurance needs. With each plan, you select the coverage duration from 1 to 11 months, and then select a deductible that makes sense with your budget. Below you’ll find a couple of our most popular plans provided by UnitedHealthOne:

  • Short Term Medical Plus: You pay the selected deductible for the term, then insurance pays 80% of the next $10,000 of coverable expenses, with you being responsible for the 20%. The insurance pays 100% of the remaining covered expenses up to $1 million.
  • Short Term Medical Plus Elite: You pay the selected deductible for the term, then insurance pays 80% of next $10,000 of coverable expenses, with you being responsible for the 20%. The insurance pays 100% of remaining covered expenses up to $1.5 million. Here you’ll have the option to add an accident rider.

How Much Is Short Term Health Insurance?

Individuals are attracted to Short Term Health Plans not just because of their flexibility, but also because of their affordability. In many situations, Short Term Health Plans can be half or two third’s the cost of an Obamacare ACA plan. This means that not only can you get Short Term Health Plans outside of Obamacare Open Enrollment periods, but you can actually find significant savings when doing so. Keep in mind, the higher the deductible the lower the premium, and vice versa. This flexibility means that Short Term Health Plans can be very inexpensive and affordable.

About Short-Term Health Insurance in Texas

The Affordable Healthcare Act placed strict limits on when people could purchase health insurance, with severely limited options outside of open enrollment. Fortunately, Texas allows you to still purchase short-term health insurance to protect yourself outside of this period.

While short-term plans aren’t required to offer all the features that an ACA-compliant plan offers, it still gives you a safety net if you can’t access or can’t afford an ACA-compliant plan. At Custom Health Plans, we can help you navigate this process and adjust your coverage as your needs change.

What To Consider When Shopping for Short-Term Health Insurance

Like any insurance plan, there are several things to think about when shopping for short-term health insurance in Texas. You’ll want to consider the following:

  • Monthly deductibles. Short-term insurance can be an affordable option for those who can’t afford regular health insurance or need insurance outside open enrollment.
  • Your overall health. Since short-term health insurance covers less, it might not be ideal for people with chronic illnesses.
  • The overall cost of the plan. You will want to factor in the plan’s deductibles, co-pays, and other details to determine the overall cost.
  • Length of coverage. Short-term health insurance typically lasts less than a year but can be extended.

Answering Your Short-Term Health Insurance FAQs

Regarding health insurance, we understand you may have questions. That’s why we’ve compiled a list of frequently asked questions to help guide you through the process. From questions about the length of coverage to the cost, we’re here to help. If you have any questions or need additional information, don’t hesitate to reach out. Here is our list of frequently asked questions, including:

What is the Cost of a Short-Term Health Plan?

The cost of these plans depends on several factors, such as your age, desired coverage level, and the length of the plan. We’ll work with you to find the right short-term health insurance plan that fits your needs and budget.

How Long Can I Get Coverage?

The length of coverage varies. Plans typically offer coverage for a period ranging from 30 days to up to 3 years. We recommend reviewing the terms and conditions of the specific plan to understand the coverage duration.

How Quickly Can Coverage Start?

Most, but not all, short-term health insurance plans start coverage the day following the approval of your application. It’s possible to choose a later effective date based on your needs.

Is a Short-Term Health Insurance Plan Considered 'Creditable Coverage' Under the Affordable Care Act?

No, short-term health insurance is not considered "creditable coverage" under the Affordable Care Act.

Will a Short-Term Health Insurance Plan Cover Prescription Drugs?

Yes, though it should be noted that there are no co-payments. With a short-term health insurance plan, you should be able to receive a negotiated discount on prescription drugs.

Will a Short-Term Health Insurance Plan Cover Prescription Drugs?

No, it does not. This is because short-term health insurance plans are designed to protect people in the event of an unexpected injury or illness. They generally do not cover vision or dental care. However, we can also help you get great rates on vision and dental insurance so be sure to contact us if you need additional coverage.

Is Short-Term Health Insurance Right for Me?

Short-term health insurance can be an excellent fit if you’re looking for coverage for a specific period, such as in between jobs or waiting for other insurance to begin. However, it’s important to understand that these plans do not cover everything traditional insurance does.

Find the Perfect Plan for Your Needs Today

At Custom Health Plans, we understand health insurance is not a one-size-fits-all solution. We’re committed to helping residents of Plano, the Dallas-Fort Worth Metroplex, Austin, San Antonio, and Houston find the right plans for their unique needs and budget. If you’re seeking short-term health insurance in Texas, our team of knowledgeable and friendly experts is ready to guide you. Don’t let a coverage gap put your health or finances at risk. Contact us to learn more about short-term health insurance options and get back your peace of mind.

How to Get the Most Affordable Short-Term Health Insurance in Texas

Step 1: Get a Quote

All you have to do to begin is enter your information online, and you’ll get a quote immediately.

Step 2: Compare Plans

We can help you compare plans side by side to determine which is best for you and your family.

Step 3: Get Covered

After you pick a plan, we’ll help you set it up and start your coverage immediately. Contact us today to begin.

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