Flexible health coverage for life's in-between moments.
Apply any time of year for temporary medical coverage designed for eligible medical students, people between jobs, and individuals waiting for other health insurance to begin.
Applications are available year-round. Eligibility, duration, and plan availability vary by state.
Coverage when your situation is changing
Short-term medical insurance can provide temporary protection while you transition to another health plan. La Paz Insurance Agency helps you understand the benefits, costs, limits, and exclusions before you choose.
Medical Students
For eligible students who need temporary medical coverage during school or clinical training.
Between Jobs
For a temporary gap after employer coverage ends and before a new plan begins.
Waiting Periods
For eligible applicants waiting for employer, school, or other coverage to become effective.
Missed Enrollment
For those seeking a temporary option outside the ACA Open Enrollment period.
Compare three short-term medical plan designs
The brochure provides Copay, Plus Elite, and Value choices. The amounts below apply to eligible covered network expenses and can vary by state, plan duration, and method of purchase.
Copay Plan
Predictable copays for certain everyday services, followed by deductible and coinsurance for other covered network care.
- Deductible options
- $2,500-$15,000
- Coinsurance you pay
- 20%
- Coinsurance OOP max
- $5,000
- Maximum benefit
- Up to $2 million
- Doctor office visit
- $50 copay*
- Urgent care visit
- $50 copay
- Tier 1 prescription
- $25 copay
*The number of doctor office visits available for a copay varies by plan duration. Later visits are subject to the deductible and coinsurance.
Plus Elite
A richer plan design with no coinsurance after the deductible for many eligible covered network expenses.
- Deductible options
- $2,500-$15,000
- Coinsurance you pay
- 0%
- Coinsurance OOP max
- $0
- Maximum benefit
- Up to $2 million
- Doctor office visit
- No charge after deductible
- Urgent care visit
- $50 copay
- Tier 1 prescription
- $25 copay
For Tiers 2-4 prescriptions, the brochure shows no charge after the deductible, with a $5,000 maximum covered expense per person, per term.
Value Plan
A cost-conscious design with a higher share of covered network expenses paid after the deductible.
- Deductible options
- $2,500-$15,000
- Coinsurance you pay
- 30%
- Coinsurance OOP max
- $10,000
- Maximum benefit
- $1 million**
- Doctor office visit
- 30% after deductible
- Urgent care visit
- $50 copay
- Tier 1 prescription
- $25 copay
**The brochure lists a $2 million maximum benefit for Indiana. Tiers 2-4 prescriptions are 30% after deductible, with a $2,500 maximum covered expense per person, per term.
Benefits for common medical needs
Depending on the plan selected, eligible covered network expenses may include the following services. Deductibles, copays, coinsurance, limits, and exclusions apply.
Short-term medical insurance in Florida, Texas, and Indiana
La Paz Insurance Agency helps eligible clients compare temporary health coverage with special attention to medical students and people who need coverage outside Open Enrollment.
Florida
Serving Palm Beach County and surrounding communities, including Lantana, West Palm Beach, Lake Worth Beach, Boynton Beach, Delray Beach, Boca Raton, Jupiter, and Port St. Lucie, plus Miami, Fort Lauderdale, Orlando, Tampa, and Jacksonville.
Texas
Helping clients in major areas including Houston, Dallas-Fort Worth, Austin, San Antonio, Fort Worth, El Paso, and surrounding Texas communities.
Indiana
Serving Indianapolis, Fort Wayne, South Bend, Evansville, Gary, Bloomington, and surrounding Indiana communities, subject to plan availability.
Short-term medical questions, answered.
We can help you review the plan brochure and understand how deductible, coinsurance, duration, and network rules work before you apply.
Can medical students apply for short-term medical insurance?
Yes. Eligible medical students can apply for temporary coverage. Availability, benefit duration, approval, and pricing depend on the applicant, selected plan, and state rules.
Can I purchase coverage at any time of the year?
Applications are available year-round and are not limited to the ACA Open Enrollment period. Coverage is still subject to eligibility, underwriting, state availability, and the insurer's effective-date rules.
Is short-term medical insurance the same as an ACA plan?
No. This coverage does not qualify as Minimum Essential Coverage under the Affordable Care Act and may not cover every Essential Health Benefit available under comprehensive ACA coverage.
How long can the coverage last?
Plan duration varies by state. Review the available options during the online application and read the policy documents carefully before enrolling.
Can I compare and buy the plan online?
Yes. Use the Compare Plans & Apply Online button to view current UnitedHealthcare options, prices, and eligibility for your location.
Ready to compare your options?
Shop available short-term medical plans online, or call La Paz Insurance Agency for help understanding the choices.
Important plan information: The amount of benefits and premium depend on the plan selected. These plans pay benefits only for eligible expenses from a network provider. Benefit availability, amounts, periods, deductible options, and limitations may vary by state and method of purchase. Copays do not apply to the deductible, coinsurance, or coinsurance out-of-pocket maximum. Short-term medical insurance does not qualify as Minimum Essential Coverage under the Affordable Care Act and may not cover all Essential Health Benefits in your state. Coverage is subject to eligibility, underwriting, policy terms, conditions, exclusions, and insurer approval. Review the official policy and certificate documents before purchasing. Coverage is not bound until confirmed by the insurance company.