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About short term health insurance costs
The short term health insurance prices below reflect typical ranges across the US. What you actually pay depends on the options you choose, where you live, and the provider you select. Adjust the calculator above with your details and ZIP code for a closer figure, then compare written quotes before you decide.
Average short term health insurance cost
| Scenario | Typical range (US) |
| Under 30 | $60 - $120 / mo |
| 30-44 | $80 - $200 / mo |
| 45-54 | $130 - $280 / mo |
| 55-64 | $180 - $400 / mo |
| Family plan | $250 - $600 / mo |
What affects short term health insurance cost
- Age. Older applicants pay more.
- Plan level and deductible. More coverage and lower deductibles raise the premium.
- Coverage length. Plans run from a month up to about a year, by state.
- Health. Short term plans are underwritten and may decline pre-existing conditions.
- State rules. Some states restrict or ban short term plans.
- Tobacco use. Smoking raises rates.
Frequently asked questions
How much does short term health insurance cost?
Premiums commonly run $80 to $200 a month for an individual, less for the young and more for older applicants.
What does short term health insurance cover?
It covers unexpected illnesses and injuries but typically excludes pre-existing conditions and may skip preventive care, maternity, and mental health.
Is short term health insurance worth it?
It is a budget bridge between jobs or coverage, but it is not ACA-compliant and offers fewer protections than a marketplace plan.
How long can short term coverage last?
It varies by state, from a few months up to about 364 days, sometimes renewable.
Does it cover pre-existing conditions?
Usually not, which is the main trade-off for the lower price.
Compare quotes
Short term rates vary by state and plan. Comparing a couple of quotes finds the cheapest option for your gap.
Get real short term health insurance quotes
Compare free, no-obligation quotes from licensed insurance carriers near you.Get my free quotes
Advertising disclosure: we may earn a commission from quote requests, at no cost to you.