Coverage for life’s in-between moments.
Between jobs, waiting for benefits to start, or just off a plan? Short-term health insurance bridges the gap fast, often starting next day, so an accident or illness doesn’t become a financial disaster.
Who this is for
Between jobs
Cheaper than COBRA for most healthy people, coverage in as little as 24 hours.
Waiting on new benefits
New job with a 60- or 90-day waiting period? Cover the gap instead of gambling.
Missed open enrollment
Locked out of Marketplace plans until next year? Short-term keeps you protected meanwhile.
What Planman checks for you
Whether short-term actually beats COBRA or a special-enrollment Marketplace plan for you
What’s covered and what’s not, short-term plans have real limits worth knowing up front
How long you can keep the plan and your renewal options
Next-day start dates when you need coverage immediately
Your exit plan: lining up permanent coverage before the bridge ends