Short Term Health Coverage

Short Term Limited Duration Coverage is for individuals and families who do not have healthcare coverage and need coverage for a limited time.

You should consider enrolling in a short term plan if you are:

  • Needing temporary healthcare coverage
  • In-between jobs
  • Waiting for new healthcare coverage to begin
  • A recent college graduate
  • Not eligible for a tax credit on the Health Insurance Marketplace

Short Term Healthcare Options:

Short Term plans available for Alabama residents only

  • Short Term Blue Limited

    6 Months of Coverage for Individuals

    • Coverage for Individuals only
    • Low monthly premiums
    • One-day gap in coverage required before re-enrolling in this plan

    Compare and Enroll

  • Short Term Blue

    364 Days of Coverage for Individuals and Families

    • Coverage for Individuals and Families
    • Low monthly premiums
    • One-day gap in coverage required before re-enrolling in this plan

    Compare and Enroll

What is Short Term Limited Duration Coverage?

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 carefully to make sure you are aware of any exclusions or limitations regarding coverage of pre-existing 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 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.

To be enrolled in short term coverage, the contract holder must be a resident of the state of Alabama, not enrolled in Medicare or Medicaid, and not currently on a short term limited duration plan. For information about premiums, benefits, and limitations and exclusions for short term plans, please review the Benefit Booklet for Short Term Blue Limited and Short Term Blue.