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Short-term health insurance

Life doesn’t always line up with Open Enrollment. Get coverage for those in-between times.
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What it covers

In some states, short-term plans can help with medical emergencies during a gap in coverage. They aren’t a substitute for long-term insurance. Here’s what to expect:

Covered

  • Emergency care

    ER visits and care for sudden injuries or symptoms are usually covered.

  • Hospital stays

    Short-term plans help cover inpatient care for unexpected illness or injury.

  • Help with major medical expenses

    These plans are meant to protect you from big bills during a short gap in coverage.

Not covered

  • Preventative care

    Routine checkups and preventive screenings aren’t usually covered.

  • Ongoing care

    You’ll likely pay out-of-pocket for mental health care, maternity care, and prescriptions.

  • Pre-existing conditions

    Most short-term plans don’t cover conditions you had before enrolling.

What to expect with Lucie

From your first question to final decision, Lucie guides you every step of the way.

Tell Lucie what you need.

Share what matters, like how often you go, your favorite dentist, and the care you want.

Get clear guidance as you explore.

Lucie’s AI shortlists plans. It shows how coverage works, including costs and limits.

Decide with confidence.

With a clear picture of your options, you’ll know whether enrolling in a plan or paying out of pocket makes the most sense.

Frequently asked questions

How much does health insurance cost?

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What if I can't afford health insurance?

You may qualify for Medicaid (free or low-cost coverage) or significant subsidies that make marketplace plans affordable. Many people are surprised to find coverage costs less than their monthly phone bill. Check your eligibility today.

Can I keep my current doctor?

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Still have questions? See all FAQs.

Call a licensed broker for clear guidance.

Call 888-383-5527

Everything you need, in one marketplace.

Design a personalized mix of coverage and care services that put your healthcare budget to the best use possible. So you can take care of you, fully.

Get health insurance that gets you

Lucie goes beyond the basics to help you choose a plan that fits how you actually use care.
  • Get a personalized shortlist of ACA plan options
  • Automatically see all available savings
  • Check out how coverage (and costs) play out in the real world
  • Fast, simple enrollment
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Footnotes

Oscar Medical coverage is underwritten by Oscar Insurance Company located in New York, New York. Plans sold in New York are underwritten by Oscar Insurance Corporation located in New York, New York. Plans sold in Florida are underwritten by Oscar Insurance Company of Florida. Plans sold in New Jersey are underwritten by Oscar Garden State Insurance Corporation. Administrative Services for all plans provided by Oscar Management Corporation. Plans sold in Texas use policy and associated COC form numbers OSC-TX-IVL-HMO-EOC-2025-HIX OHIN-134128348; OSC-TX-IVL-HMO-EOC-2025 OHIN-134128297; GUIDED OSC-TX-IVL-HMO-GOLD-GUIDED-CARE-EOC-2025 OHIN-134128360; OSC-TX-IVL-EOC-2025 OHIN-134080911;OSC-TX-IVL-EOC-2025-HIX OHIN-134080906; OSC-TX-S-IVL-EOC-2025-HIX OHIN-134079760; OSC-TX-S-IVL-EOC-2025 OHIN-134079760. Plans sold in Virginia use policy and associated form numbers VA ON OSC-VA-IVL-EOC-2025-HIX OHIN-134065976; VA OFF OSC-VA-IVL-EOC-2025 OHIN-134065976.