Lost your job? Self-employed? Waiting for ACA open enrollment? Short-term medical gives you real health coverage — fast approval, flexible terms, no enrollment period.
Short-term medical (STM) insurance provides major medical coverage outside of ACA open enrollment periods. You can apply any day of the year, get approved within 24–48 hours, and choose coverage terms from 1–12 months. It's the fastest way to get real health insurance in Florida when you can't wait for the next enrollment window.
COBRA is expensive. ACA open enrollment may be months away. STM bridges the gap at a fraction of the cost while you land your next position or start your business.
Contractors, freelancers, truckers, and gig workers in Florida who don't have employer coverage use STM as a primary health plan or as a stopgap while evaluating ACA options.
Aged off your parents' plan? Just graduated in Florida? STM gives you immediate coverage while you start your career and evaluate long-term options.
New job with a 90-day benefits waiting period? STM covers you during that window so you're never uninsured.
| Feature | Short-Term Medical | ACA Marketplace |
|---|---|---|
| Enrollment Period | Anytime | Nov–Jan (or SEP) |
| Coverage Start | 1–2 days | 1st of next month |
| Term Length | 1–12 months | Annual |
| Pre-Existing Conditions | Usually excluded | Covered |
| Subsidies Available | No | Yes (income-based) |
| Monthly Premium (avg) | $150–$350 | $0–$500+ (after subsidy) |
* Best plan depends on your situation. We help you compare both options to find the right fit for your budget and health needs in Florida.
Serving Miami, Fort Lauderdale, Orlando, Tampa, Jacksonville and all of Florida. Compare STM and ACA options side by side. No enrollment period, no pressure, no extra cost to use an agent.