Short-Term Health Insurance in Florida: Is It Right for You?

Introduction

Need quick health coverage in Florida, but not ready to commit to a long-term plan? Short-term health insurance might be a temporary solution worth considering. These plans offer fast, flexible coverage for those who are between jobs, missed Open Enrollment, or need a financial safety net.

But is short-term insurance right for you? In this guide, we’ll cover:

• What short-term health insurance is
• Who should (and shouldn’t) consider it
• What it covers—and what it doesn’t
• How White Chip Insurance can help you compare and enroll today

What Is Short-Term Health Insurance?

Short-term health insurance provides temporary medical coverage, typically lasting anywhere from 30 days to 12 months. In Florida, some plans can be renewed for up to 36 months.

These plans are designed to:

• Offer coverage quickly (as soon as the next day)
• Be more affordable than ACA plans (lower premiums)
• Cover unexpected medical expenses, such as ER visits or hospital stays

Ideal for people in transitional periods, like:

• Between jobs
• Recent college grads
• Waiting for employer benefits to start
• Missed Open Enrollment and don’t qualify for Special Enrollment

Pros of Short-Term Health Insurance in Florida

1. Affordable Premiums: Short-term plans often cost 50–80% less than ACA-compliant plans.
2. Fast Enrollment: Coverage can begin within 24 hours. No long waiting periods.
3. Flexible Duration: Choose how long you need coverage—30 days to 12 months, with options to renew in some cases.
4. Doctor & Hospital Coverage: Helps pay for emergency room visits, surgeries, lab work, and hospital stays.
5. Customizable Plans: Pick deductibles, benefit limits, and more to match your budget.

Cons of Short-Term Health Insurance

1. Does NOT Cover Pre-Existing Conditions: If you’ve been treated for a condition in the last 1–5 years, it likely won’t be covered.
2. Limited Benefits: Most short-term plans don’t include Maternity care, Mental health services, Prescription drugs, or Preventive services (like annual checkups)
3. Not ACA-Compliant: You won’t get subsidies, essential health benefits, or guaranteed renewability.
4. May Deny Coverage: Insurers can reject you based on your health history, unlike ACA plans.

Who Should Consider Short-Term Health Insurance?

Short-term health insurance may be right for you if:

• You’re healthy and don’t expect to need regular care
• You need temporary coverage until your next plan begins
• You missed Open Enrollment and don’t qualify for Special Enrollment
• You’re looking for emergency-only protection at a lower cost

However, it’s not recommended for people with:

• Chronic health conditions
• Ongoing prescriptions
• Need for mental health, maternity, or preventive care

How to Get Short-Term Health Insurance in Florida

Get a Free Quote

Use White Chip Insurance’s free online tool to view short-term plans from trusted providers in your area.

Compare Your Options

We help you understand:

• Premiums
• Deductibles
• Coverage limits
• Exclusions

Enroll Instantly

Once you find the right plan, you can enroll in minutes and get coverage as soon as the next day.

Why Work with White Chip Insurance?

At White Chip Insurance, we make sure you:

• Don’t overpay for temporary coverage
• Understand the limits and exclusions of short-term plans
• Explore all your options, including ACA plans you may still qualify for

Our services are:

• 100% free
• Fast and easy to use
• Backed by licensed Florida insurance agents

Final Thoughts

Short-term health insurance in Florida can be a valuable safety net if you’re between plans or need quick, budget-friendly coverage. Just make sure you understand the limitations before you enroll.

Need help choosing the right plan?

• Use our free quote tool
• Talk to a licensed Florida agent today

Let White Chip Insurance help you find the short-term (or long-term) coverage that fits your life and budget.