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What is Short Term Health Insurance?

Short Term Health Insurance is major medical insurance. Whether you need coverage during a transition or gap between insurance or if you are looking for a solution outside of Obamacare, Short Term Health Insurance offers an affordable and flexible option. Different levels of benefits among plans means you choose the right coverage for you. This flexibility makes Short Term Health Insurance very affordable, typically half the cost of Obamacare plans. These plans offer access to a broad range of healthcare providers.

Join the hundreds of thousands of people who currently rely on Short Term Health Insurance for affordable medical and financial protection. Short Term Health Insurance plans available at AgileHealthInsurance are from top insurance carriers, many with a financial strength rating of A+ (Superior) by A.M. Best. The AM Best rating represents an independent opinion from the leading provider of insurer ratings of a company's financial strength and ability to meet its obligations to policyholders.

Read more about Term Health Insurance

What is Health Benefit Insurance?

Health Benefit Insurance is a health insurance plan that offers financial protection for commonly needed medical services, including hospital and doctor benefits. When you experience a covered medical event, health benefit insurance pays a set fee, directly to you or a provider designated by you. Health Benefit Insurance also can include supplemental medical insurance coverage for critical illnesses or accidents, as well as non insurance supplemental health benefits such as telemedicine, insurance advocacy, and pharmacy. Unlike traditional insurance, where you are responsible for paying co-pays and coinsurance , Health Benefit Insurance provides you “first dollar” coverage, without co-pays or coinsurance. This first dollar coverage provides you more flexibility for managing health care expenses. Health Benefit Insurance is typically paid for on a monthly basis and all plans offered on AgileHealthInsurance can be purchased by a simple online application without medical underwriting.

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What are Supplemental Health Products?

Supplemental health products are products designed to be purchased in addition to a major medical health plan (such as a short term or an ACA/Obamacare health plan) or a health benefit insurance plan. There are two basic types: supplemental health insurance or non insurance supplemental health products. The most common supplemental health insurance products are dental insurance, vision insurance, and supplemental medical insurance. Supplemental medical insurance includes critical illness and accident insurances that will pay a set amount when you experience a covered medical event. The most common non insurance supplemental health products are telemedicine, which facilitates 24/7 access to medical providers, insurance advocacy services, which help you to better utilize your health plan, and pharmacy benefits, which provides you discounts for prescription and over the counter medications.

Why Agile Health Insurance?

Best Rates

At AgileHealthInsurance you'll always find short-term health plans at their lowest available prices. In fact, we GUARANTEE that you always get the lowest price available on all the short term health insurance plans we sell. Our health benefit insurance plans are a bundle of insurance and non-insurance benefits that we have designed with our insurance company partners, and you generally cannot buy our health benefit plans from other online insurance agencies or websites. We select and design our health benefit insurance plans to be competitively priced and high value to our customers.

Broad Selection of Products

AgileHealthInsurance offers over 5,000 short term health insurance and health benefit insurance plans. We also offer many more supplemental health products such as dental insurance, vision insurance, and telemedicine. Many of the insurance companies offered on AgileHealthInsurance are rated A+ Superior by AM Best, the ratings leader for the insurance industry.

Online Application and Approval

Shopping for the best products and rates can be confusing and time consuming so we simplify it for you. AgileHealthInsurance has proprietary technology that greatly simplifies the online shopping and application process. Our instant approval means that, if eligible, you can be approved in as little as 8 minutes and begin using many of your benefits as early as the very next day.**

* Learn more at: https://www.agilehealthinsurance.com/health-insurance-learning-center/obamacare-vs-term-health-insurance-premiums. Short term health insurance is streamlined medical insurance, it covers many benefits in the case of illness or accident, but it does not include all ten of the essential minimum benefits of Obamacare. Actual results, individual customer experience may vary.

** Wait times and restrictions may vary; please check your plan details.


AFFORDABLE CARE ACT TAX. Short term health insurance is health insurance outside of the Affordable Care Act ("Obamacare"). It does not include all ten of the minimum essential benefits of Obamacare and it does not cover pre-existing conditions. To learn more about the tax, its exemptions, and how to calculate the affordability of short term health with the tax, see here. To learn more about the differences between Short term health insurance and Obamacare, see here.

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