Gap Coverage Solutions
Short-Term Medical Plans
Affordable bridge coverage for individuals and families between permanent health plans. Get protected in as little as 24 hours.
What to Know
What Are Short-Term Medical Plans?
Short-term medical plans (STM) provide temporary health insurance coverage for a defined period — typically 30 days to 12 months. They're designed as bridge coverage for people who find themselves without comprehensive health insurance for a limited time.
These plans generally offer lower monthly premiums than ACA marketplace plans in exchange for more limited benefits and exclusions for pre-existing conditions. They are best suited for generally healthy individuals who need protection against unexpected medical events while in transition.
At Demand Benefits, we help clients evaluate whether a short-term plan is appropriate for their situation — or whether an ACA plan, COBRA, or other option is a better fit.
Minimum coverage term
Lower premiums vs. ACA plans (typical)
Coverage can begin as fast as next day
Maximum term in Louisiana
Common Situations
Who Uses Short-Term Medical Plans?
Between Jobs
Bridge the gap between employer plans without paying full COBRA premiums.
Recent Graduates
Just aged off your parent's plan? Stay covered while landing your first job.
Waiting Periods
New employer health plan doesn't start for 30–90 days? STM fills the gap.
Early Retirees
Retired before Medicare eligibility at 65? STM keeps you protected.
The Full Picture
Pros & Cons of Short-Term Plans
Short-term medical plans are powerful tools — but not for everyone. Here's an honest look at the tradeoffs.
Advantages
- Lower monthly premiums than ACA plans
- Quick application and same-day coverage
- Flexible coverage periods (30 days – 12 months)
- No open enrollment restrictions
- Freedom to choose your own doctor
Limitations
- Pre-existing conditions typically not covered
- Not ACA-compliant — does not count as minimum essential coverage
- Limited preventive care benefits
- Annual and lifetime benefit caps may apply
- Coverage not renewable in all states
Short-term medical plans are not ACA-compliant and do not satisfy the individual mandate requirement in states that have one. Always consult with a licensed broker to determine the right coverage option for your specific situation.
Our STM Carriers
Get a Quote From Our STM Partners
We partner with leading short-term medical carriers to give you real-time quotes and fast enrollment. Click any carrier below to start a quote — or schedule a call with our team for personalized guidance.
National General
America's largest STM carrier
National General offers flexible short-term medical plans with multiple deductible and coinsurance options, broad network access, and fast online enrollment. Plans available for individuals and families in Louisiana.
- Multiple plan tiers
- Same-day coverage available
- Fast online quote & enroll
- Nationwide PPO network
UnitedHealthOne
Backed by UnitedHealth Group
UnitedHealthOne short-term medical plans provide access to one of the nation's largest provider networks with UnitedHealthcare. Flexible term lengths and benefit options make it a top choice for gap coverage needs.
- UnitedHealthcare network
- Renewable coverage options
- Telemedicine included
- Flexible term lengths
Blue Cross & Blue Shield of Louisiana
Louisiana's hometown insurer
BCBS Louisiana offers gap and bridge coverage options for Louisiana residents. As the state's largest carrier, they provide access to an extensive local provider network for qualifying short-term coverage needs.
- Largest LA provider network
- Local carrier support
- Extensive hospital access
- Trusted Louisiana brand
Not sure which plan is right for you? Our advisors are happy to compare options at no charge.
Not Sure Where to Start?
Let's Find the Right Plan for You
Our licensed advisors will walk you through whether a short-term medical plan, COBRA, an ACA plan, or another option makes the most sense for your situation — completely free of charge.