Short-Term Health Insurance Florida
Flexible, affordable temporary coverage for individuals between jobs, waiting for employer benefits, or in life transitions
Short-term health insurance provides temporary medical coverage when you need it most — between jobs, waiting for open enrollment, aging off a parent's plan, or bridging a gap before Medicare begins. All Horizon Financial Services helps Florida residents find affordable short-term plans from top carriers.
Who Benefits from Short-Term Coverage?
Between Jobs
Lost employer coverage due to job change, layoff, or resignation and need coverage while searching for new employment.
Waiting for Benefits
New job benefits have not kicked in yet and you need coverage during the waiting period.
Missed Open Enrollment
Did not enroll during ACA open enrollment and do not qualify for a Special Enrollment Period.
Young Adults
Recently aged off a parent's health plan and need affordable coverage before finding employer benefits.
Pre-Medicare Bridge
Retiring before age 65 and need coverage until Medicare eligibility begins.
Students
Graduated or took a leave of absence and need temporary coverage outside of a student health plan.
Key Benefits of Short-Term Plans
- Coverage can start as soon as the next day
- Plans available from 30 days up to 36 months
- Lower monthly premiums than ACA marketplace plans
- Doctor visits, urgent care, and emergency room coverage
- Flexible deductible and coinsurance options
- Prescription drug coverage available on select plans
Important to Know
Short-term health plans do not meet ACA Affordable Care Act requirements and do not cover pre-existing conditions. They are designed as temporary solutions, not long-term coverage. Our advisors will help you understand the limitations and find the best option for your situation.
Frequently Asked Questions
Find Affordable Short-Term Coverage Today
Call 1-561-688-7300 or request a free quote. We will compare short-term plans from top Florida carriers and get you covered quickly.