Short Term Medical & More

Here at Walker Health Insurance Solutions, we prioritize finding you the best short term medical coverage.

What Is Short-Term Medical Insurance?

Short-term medical insurance is temporary health coverage designed to help protect you during gaps in your regular insurance. These plans offer limited benefits for unexpected illnesses or injuries and are typically more affordable than traditional health insurance. While they don’t cover everything, they can provide peace of mind if you're between jobs, waiting for other coverage to begin, or need a safety net for a few months.

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Who Needs Short-Term Coverage?

Short-term health insurance is designed for people in transitional life situations—times when having some health coverage is better than having none at all. These plans are especially helpful if you're experiencing a gap in traditional insurance and want to protect yourself from unexpected medical costs.


You might consider short-term coverage if you:


  • Lost your job or recently left employer-sponsored insurance

  • Are between jobs and waiting for new coverage to begin

  • Missed the annual Open Enrollment Period for ACA plans

  • Are turning 26 and aging out of your parent’s health plan

  • Recently graduated and haven’t secured job-based benefits yet

  • Are waiting for Medicare eligibility to start

  • Work part-time or freelance without access to group insurance

These plans aren't intended to be long-term solutions, but they can act as a financial buffer in case of accidents or sudden illness while you're in transition.


What Does a Short-Term Plan Include?

Short-term medical plans typically provide coverage for unexpected, high-cost health events. While benefits vary by insurer and state, most plans offer protection for:


  • Doctor visits for new health concerns

  • Emergency room and urgent care visits

  • Hospitalization and surgery due to illness or injury

  • Diagnostic services like X-rays and lab tests

  • Some plans may include limited prescription drug coverage

  • 24/7 telehealth access, depending on the provider

It’s important to understand what isn’t included. Because short-term plans aren’t required to meet Affordable Care Act (ACA) standards, they generally:



  • Don’t cover pre-existing conditions

  • Don’t offer maternity care or mental health services

  • Exclude preventive care like annual physicals, screenings, and vaccines

  • May limit coverage for prescription medications

Short-term plans are medically underwritten, which means you may be denied coverage based on your health history. But for healthy individuals who need flexible, fast coverage at a lower cost, these plans can be a practical option.

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