Temporary healthcare coverage when you need it
A short term health plan is great temporary coverage, providing instant protection at a low price. Consider short term coverage if you're:

• Between jobs
• Waiting for employer-provided group insurance to take effect
• Waiting for approval for comprehensive health care

Coverage is available for 30-, 60- and 90-day periods. You can choose from four deductible options, including one that is Health Savings Account (HSA) eligible in certain circumstances. Plus, you can access our more than 650,000 providers and 6,500 hospitals nationwide, and there are no referrals to see a specialist.

Download plan details and rates
Short Term Individual Plan Summary of Benefits and Rates

Instant coverage
As soon as your application is approved and you provide payment for your first month's premium, you're covered. You could have coverage in as little as one day.

Short Term plan highlights

Monthly Premium	Deductible Options	Preventive Care	Office Visits	Emergency Care	Hospitalization	Prescription Drugs
Starts at $36	Per Person - Single or Family Coverage: 80% Plans $300 $500 $1,000 100% Plans $2,000	N/A	80% or 100% coverage after you pay your deductible			80% or 100% coverage after you pay your deductible (excludes birth control)

Some costs you don't pay at all, whether you've met your deductible or not:

• 100% coverage for well-child care up to age 6
• 100% coverage for immunizations up to age 18

How to choose a deductible
A deductible is the amount each individual or family pays per year for healthcare services before your insurance kicks in. Generally, higher deductible plans have lower monthly premiums, while plans with lower deductibles have higher monthly premiums.

Want to pay fewer expenses up front? A lower deductible plan might be your best option because your insurance coverage will go into effect sooner. Don't need to go to the doctor very often? A higher deductible may lower your monthly premium. Then, you only pay more if you have to go to the doctor.

What is an out-of-pocket maximum?
The out-of-pocket maximum is the total you pay for all of your healthcare including your deductible and coinsurance.

Once you reach your out-of-pocket maximum each year, HealthPartners will pay 100% of your eligible medical expenses the rest of the year.