Short-Term Health Insurance
Health plans from Allstate Health Solutions and UnitedHealthOne that you can buy any day of the year. See your price and enroll online.
- Coverage can start as soon as the next day
- UnitedHealthcare, Aetna or Cigna doctors and hospitals
- From $74 to $199 a month at age 40, depending on your state
We will help you shop and compare options
Book a complimentary consultation with a licensed agent to help you understand your options and find the right plan.
Book a consultationQuestions? Text (949) 506-2746
The short version
- What it covers
- Doctor visits, urgent care, emergency rooms, hospital stays, surgery, lab work and X-rays.
- Doctor visits
- $40 or $50 on the copay plans. $50 urgent care visits on UnitedHealthOne Short Term Medical.
- Prescriptions
- $25 generic prescriptions with no deductible on UnitedHealthOne Short Term Medical. $10 generics on Allstate Health Solutions Copay Enhanced.
- Doctors
- The UnitedHealthcare Choice Plus network, with 1.7 million doctors and health care professionals and 7,000 hospitals, or the Aetna or Cigna network.
- How long
- From 1 month to 3 years, depending on the plan and your state.
- When you can buy
- Any day of the year. Coverage can start as soon as the next day.
- Health questions
- A short list on most plans. One plan asks none.
- Price
- $74.36 to $199.05 a month for the lowest-priced plan at age 40, depending on your state.
- Where
- Arizona, Florida, Georgia, Louisiana, Michigan, North Carolina, Ohio, South Carolina and Texas.
Compare the plans
11 plans from Allstate Health Solutions and UnitedHealthOne, in four groups. Every plan lets you see any doctor in its network without a referral.
Lowest monthly price
Coverage for the big bills at the lowest price.
| Plan | Doctor visits and prescriptions | After your deductible | Deductible choices | Longest coverage | One person, a month |
|---|---|---|---|---|---|
| EssentialsAllstate Health Solutions | Doctor visits and prescriptions count toward your deductible. | The plan pays 60%. | $5,000, $10,000 or $25,000 | By state, up to 36 months | $88.91 to $199.05Age 40, lowest option |
| Short Term Medical ValueUnitedHealthOne | $50 urgent care visits. $25 generic prescriptions with no deductible. | The plan pays 70%. | $2,500 to $15,000 | 4, 6 or 12 months, by state | $74.36 to $241.96Age 40, lowest option |
| TriTerm Medical ValueUnitedHealthOne | Doctor visits count toward your deductible. | The plan pays 70%. | $2,500 to $15,000 | 3 years | $140.14 to $264.37Age 40, lowest option |
Copays for doctor visits and prescriptions
Set prices for everyday care, before you meet a deductible.
| Plan | Doctor visits and prescriptions | After your deductible | Deductible choices | Longest coverage | One person, a month |
|---|---|---|---|---|---|
| Short Term Medical CopayUnitedHealthOne | $50 doctor visits and $50 urgent care visits. $25 generic prescriptions with no deductible. | The plan pays 80%. | $2,500 to $15,000 | 4, 6 or 12 months, by state | $126.48 to $369.45Age 40, lowest option |
| TriTerm Medical Copay Select MaxUnitedHealthOne | $50 doctor visits. Prescriptions at $25, $55 or $75. | The plan pays 70%. | $2,500 to $12,500 | 3 years | $224.82 to $312.05Age 40, lowest option |
| Copay EnhancedAllstate Health Solutions | $40 primary care visits and $60 specialist visits. $10 generic prescriptions. | The plan pays 100% on most options. | $2,000 to $10,000, depending on your state | By state, up to 36 months | $342.80 to $831.28Age 40, lowest option |
The plan pays 100% after your deductible
Once you meet the deductible, covered care costs you nothing more.
| Plan | Doctor visits and prescriptions | After your deductible | Deductible choices | Longest coverage | One person, a month |
|---|---|---|---|---|---|
| Short Term Medical Plus EliteUnitedHealthOne | $50 urgent care visits. $25 generic prescriptions with no deductible. | The plan pays 100%. | $2,500 to $15,000 | 4, 6 or 12 months, by state | $108.11 to $351.67Age 40, lowest option |
| TriTerm Medical Plan 100 MaxUnitedHealthOne | Doctor visits count toward your deductible. | The plan pays 100%. | $5,000 to $12,500 | 3 years | $242.91 to $337.16Age 40, lowest option |
| EnhancedAllstate Health Solutions | Doctor visits count toward your deductible. | You pick: the plan pays 100%, 80% or 50%. | $2,500 to $25,000 | By state, up to 36 months | $148.35 to $347.07Age 40, lowest option |
No health questions, or a health savings account
Two plans for two specific needs.
| Plan | Doctor visits and prescriptions | After your deductible | Deductible choices | Longest coverage | One person, a month |
|---|---|---|---|---|---|
| Guaranteed IssueAllstate Health Solutions | No health questions to qualify. Doctor visits count toward your deductible. | The plan pays 80% or 90%. | $3,500 or $5,000 | One term, length by state | $618.91 to $1,058.64Age 40, lowest option |
| HSA CompatibleAllstate Health Solutions | Built to pair with a health savings account. | You pick: the plan pays 100%, 90% or 70%. | $6,000 | By state, up to 36 months | $334.77 to $477.12Age 40, lowest option |
Prices are for one man, age 40, who does not use tobacco, at the plan's highest deductible, and run from the lowest-priced state to the highest. Your price depends on your age, state, plan and deductible. Allstate Health Solutions prices include the $15 monthly association membership. Allstate Health Solutions plans are underwritten by National Health Insurance Company (Integon Indemnity Corporation in Florida). UnitedHealthOne plans are underwritten by Golden Rule Insurance Company, a UnitedHealthcare company. Short-term plans are not Marketplace plans and do not count as minimum essential coverage. Prices checked November 12, 2026.
How long and how much, by state
Each state sets how long a short-term plan can run. This is what you can buy in each of our 9 states.
| State | Allstate Health Solutions | UnitedHealthOne | Lowest price at age 40 |
|---|---|---|---|
| Arizona | Up to 12 months, or 24 or 36 months with the price locked | Up to 12 months, or 3 years with TriTerm Medical | $115.90 |
| Florida | Up to 12 months, or 24 or 36 months with the price locked | Up to 12 months, or 3 years with TriTerm Medical | $176.76 |
| Georgia | Up to 12 months, or 24 or 36 months with the price locked | Up to 12 months, or 3 years with TriTerm Medical | $199.05 |
| Louisiana | Up to 12 months, or 24 or 36 months with the price locked | Up to 12 months, or 3 years with TriTerm Medical | $139.97 |
| Michigan | Up to 6 months, or 12 months in two terms | Up to 6 months | $117.47 |
| North Carolina | Up to 4 months, or 12 months in three terms | Up to 4 months | $74.36 |
| Ohio | Up to 12 months, or 24 months in two terms | Up to 12 months | $88.91 |
| South Carolina | Up to 11 months, or 22 or 33 months with the price locked | Up to 12 months, or 3 years with TriTerm Medical | $127.34 |
| Texas | Up to 4 months, or 12 months in three terms | Up to 4 months | $154.11 |
Price by age
Five plans in Arizona, for one man who does not use tobacco, a month.
| Plan | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|
| Essentials, $25,000 deductibleAllstate Health Solutions | $114.90 | $141.13 | $221.68 | $370.13 |
| Short Term Medical Value, $15,000 deductibleUnitedHealthOne | $121.97 | $169.41 | $258.94 | $387.66 |
| TriTerm Medical Value, $15,000 deductibleUnitedHealthOne | $107.42 | $140.14 | $211.17 | $320.52 |
| Short Term Medical Copay, $5,000 deductibleUnitedHealthOne | $318.36 | $442.16 | $675.85 | $1,011.81 |
| Enhanced, $5,000 deductible, plan pays 80%Allstate Health Solutions | $296.14 | $381.88 | $609.12 | $1,021.70 |
How to enroll
Enter your ZIP code
Add a few quick details and your plans open right away.
Compare the plans
See the Allstate Health Solutions plans with the prices for your age and state. For a UnitedHealthOne plan, have us send you a quote.
Enroll online
Pick a plan and finish online. Or text us and a licensed broker will do it with you.
Who buys these plans
A short-term plan covers you in the months when you have no other plan, and you can start it this week.
We set these plans up for families and individuals who need coverage now and cannot wait for Open Enrollment, people between jobs, people waiting for coverage at a new job to start, early retirees not yet on Medicare, young adults leaving a parent's plan and self-employed people and freelancers.
Questions people ask
What is short-term health insurance?
Health coverage you buy for a set length of time, from 1 month to 3 years. It pays for doctor visits, urgent care, emergency rooms, hospital stays, surgery, lab work and X-rays. You can buy it any day of the year.
How much does it cost?
The lowest-priced plan for a 40-year-old is $74.36 to $199.05 a month, depending on the state. The price depends on your age, your state, the plan and the deductible you pick. In Arizona, the Essentials plan with a $25,000 deductible is $114.90 a month at age 30 and $221.68 at age 50.
How long can I keep it?
From 1 month to 3 years, depending on the plan and your state. TriTerm Medical from UnitedHealthOne covers nearly 3 years (1,094 days) on one application in Arizona, Florida, Georgia, Louisiana and South Carolina. Allstate Health Solutions offers 24 or 36 months with the price locked in Arizona, Florida, Georgia and Louisiana, and 22 or 33 months in South Carolina. In Michigan, North Carolina, Ohio and Texas, plans run 4 to 12 months at a time.
How soon can coverage start?
As soon as the day after you apply on Short Term Medical. TriTerm Medical can start 5 days after you apply.
Which doctors and hospitals can I use?
UnitedHealthOne plans use UnitedHealthcare networks. The UnitedHealthcare Choice Plus network has 1.7 million doctors and health care professionals and 7,000 hospitals. Allstate Health Solutions plans let you pick the Aetna or Cigna network.
Are prescriptions covered?
Yes on most plans. UnitedHealthOne Short Term Medical plans have $25 generic prescriptions with no deductible. TriTerm Medical Copay Select Max has prescriptions at $25, $55 or $75. Allstate Health Solutions Copay Enhanced has $10 generic prescriptions.
Do I have to answer health questions?
Most plans ask a short list of health questions. Guaranteed Issue from Allstate Health Solutions asks none.
Are conditions I already have covered?
Short-term plans are built for new illnesses and injuries. TriTerm Medical and the Allstate Health Solutions plans that renew cover conditions you had before, after 12 months on the plan. If you have an ongoing condition, a Marketplace health plan covers it from the first day, and we can help you with that too.
Is this the same as a Marketplace health plan?
No. Short-term plans are separate from the Affordable Care Act Marketplace. They are not required to cover everything a Marketplace plan covers, such as maternity, and they do not count as minimum essential coverage. If you qualify for financial help on the Marketplace, compare both before you choose. We can show you both.
When can I buy it?
Any day of the year. There is no enrollment period to wait for.
How do I enroll?
Enter your ZIP code at the top of this page to see the Allstate Health Solutions plans and enroll online. To compare Allstate Health Solutions and UnitedHealthOne side by side, choose "Have us send you a quote" and a licensed broker sends you a comparison of both. You can also text us at (949) 506-2746.
Which states do you sell short-term plans in?
Arizona, Florida, Georgia, Louisiana, Michigan, North Carolina, Ohio, South Carolina and Texas. Short-term plans are not sold in California and Delaware. In those states we help with Marketplace health plans.
Who are the plans from?
Allstate Health Solutions and UnitedHealthOne. The Allstate Health Solutions plans are underwritten by National Health Insurance Company (Integon Indemnity Corporation in Florida). The UnitedHealthOne plans are underwritten by Golden Rule Insurance Company, a UnitedHealthcare company.
What does your help cost?
Nothing. The insurance company pays us. The insurance company also sets the price, so you pay the same with us as you would anywhere else.
Licensed in 11 states
Arizona, California, Delaware, Florida, Georgia, Louisiana, Michigan, North Carolina, Ohio, South Carolina and Texas.
Elite Circle of Champions
Recognized by the federal Health Insurance Marketplace (CMS) in 2024, 2025 and 2026.
Marketplace-registered broker
State licensed and registered with the federal Health Insurance Marketplace. Listed in HealthCare.gov's Find Local Help directory.
Our help costs $0
Insurance companies pay us. A plan costs the same with us as it does on your own.
Douglas Curl, Principal Broker. Licensed since 2007. National Producer Number 9893707. Agency National Producer Number 21297200.