What is short-term health insurance and why do you need it?

Short-term health insurance provides you with coverage temporarily during a transitional period in your life. These transitional periods might include the following:

  • Getting a new job with fewer benefits
  • Losing your job
  • In between jobs
  • Searching for a better option for permanent health insurance
  • Attending college for just a few years before entering the workforce and getting health benefits from your employer
  • Waiting for a few years before eligibility for Medicare or Medicaid
  • Turning 18 and losing coverage under your parents’ plans

During these transitional periods, it might not make sense to commit to a long-term health insurance plan when you know you’re going to be switching to a different plan very soon. Short-term health insurance serves to bridge this gap – which is why it is often referred to as “bridge health insurance.”

What is bridge health insurance?

Although bridge health insurance is essentially the same thing as short-term health insurance, this term may specifically refer to those awaiting Medicare eligibility. These “gap healthcare plans” are particularly popular among older Americans who are in their early 60s. These individuals may be waiting to retire, at which point they may lose healthcare employment benefits. Or perhaps these seniors have missed their Medicare enrollment window. 

Bridge health insurance is also popular among individuals who are still attempting to establish residency in the United States. Permanent residents may also favor bridge insurance plans if they have been in the country for less than five years – as this makes them ineligible for Medicare.

What kind of coverage can I expect?

These insurance plans typically provide coverage for a limited duration – usually several months or a year. You should know that providers of short-term health insurance plans are exempt from regulations set forth by the Affordable Care Act. This means that they are not required to provide coverage for the full list of benefits set forth by the ACA. 

Different providers of short-term healthcare insurance may offer different levels of coverage. Always make sure to read the fine print and check that your specific healthcare needs are covered by your short-term insurance plan.

Are there different types of bridge health plans?

Many different types of bridge insurance plans are available in the United States. That being said, you will not find these short-term plans for sale on any mainstream health insurance marketplace. This means that you might have to shop around a little to find the best option for your unique insurance needs.

What are my options for health insurance?

When choosing short-duration insurance, there are a number of factors you should keep in mind:

  • Deductibles
  • Prices
  • Emergency care
  • Availability (some bridge insurance plans are only available in certain states)
  • Coverage for preexisting conditions 
  • Length of coverage (up to 36 months in some states)
  • Age restrictions
  • Prescription coverage
  • Vision care
  • Telemedicine access
  • Prescription discounts
  • Maximums
  • Customization options
  • X-ray coverage
  • Additional requirements (such as becoming a member of certain organizations or networks)

What are the benefits associated with bridge coverage?

One of the key benefits of bridge coverage insurance is that it is very easy to set up. This is essential because individuals often need to organize bridge insurance as quickly as possible to cover gaps. 

Another benefit is the lack of a long-term commitment. Most short-term plans end within just one year, and you won’t feel as though you’re entering into a daunting contract. In addition, many of these insurance plans feature no coinsurance and no co-pays. Even though the duration of this insurance may be short, it is still capable of providing millions of dollars in maximum coverage. Of course, your exact benefits depend on which plan or provider you choose.

Is Medicare my only option for healthcare?

Many people believe that if they are awaiting Medicare eligibility, they have no other option but to simply wait and hope for the best without coverage. But there are many other options for insurance, and there’s no need to experience such a precarious situation as you await eligibility. Many private companies offer solutions for those who need to fill these gaps in their insurance coverage, and although you won’t find them on government websites, they aren’t difficult to find.

What is term health insurance?

It’s important not to confuse term health insurance with short-term health insurance. Term insurance typically refers to life insurance, which provides your family members with compensation in the event of your untimely death. Short-term health insurance provides you with compensation for your medical bills while you await a more long-term solution.

Can I Switch from Short Duration to Long Term Health Coverage?

Switching from short-duration insurance to a more long-term insurance solution is easy. Depending on how long your “gap” between insurance coverage might be, you can choose short-term plans that meet your needs. 

For example, if you’re a senior who knows you’ll be eligible for Medicare within one year, you can choose a bridge insurance plan that lasts 365 days. If you are set to start a new job with employment benefits within just a few months, you can choose a bridge plan with 6 months of coverage. You can switch between short and long-term insurance plans when your bridge plan ends or whenever it’s convenient for you.

Can CrowdHealth serve as short-duration insurance?

Even though CrowdHealth isn’t health insurance, it can serve many of the same functions. CrowdHealth uses a crowdfunding business model to provide individuals with an alternative to traditional healthcare insurance. This might be an attractive option for those seeking bridge insurance plans, as you can pay as you go with monthly fees. Once you find a new job, become a permanent resident, or become eligible for Medicare, you can explore your options for long-term health insurance. But don’t be surprised if you feel reluctant to leave CrowdHealth, as this alternative system offers many notable benefits. 

The process is quite simple: You make a monthly contribution to CrowdHealth, while others do the same. When you visit your doctor and receive a bill, you pay the cost and then submit your receipt to the CrowdHealth app. From there, your bills are paid seamlessly via the crowdfunding process. The best part is that CrowdHealth can even negotiate your medical bills for you, leading to even lower costs.

If you’d like to learn more about CrowdHealth and why it might be a solid temporary solution for short-term insurance, check out our website today. Signing up is quick and easy, and we can also answer any additional questions you might have about how this crowdfunding system works. Remember, you don’t need to choose traditional insurance options – especially not when there are so many innovative alternatives available in the modern era. Choose CrowdHealth today and experience an effective bridge insurance solution.

Talk to a CrowdHealth Specialist

People Love CrowdHealth

As a physician in practice for over a decade, I'm immersed in the problems we face in healthcare. CrowdHealth is the most impactful solution to restoring the doctor patient relationship that I've seen.
Dr. Maryanna Barrett, MD
Owner of Thrive OBGYN 
Healthcare desperately needs viable alternative payment approaches. I am thrilled to see CrowdHealth leading the way.
Dr. Tanya Stewart, MD, MBA
Former Chief Clinical Transformation Officer, United Health Group
The vast majority of people in this country are enjoined in an insurance contract they never wanted. CrowdHealth aims to change the terms of this spectacularly bad contract.
Dr. Mark Napoli, MD, FACC
CEO, Cor Medical, Inc.
Everyone should have affordable healthcare options. I’m thrilled to see Crowdhealth partner with real estate agents as this is a huge obstacle in our industry.
Mallory Mundy
Team Leader, Keller Williams Southwest Market Center
I've never understood why Realtors have to pay more for quality health care just because we are entrepreneurs. CrowdHealth is providing a true solution to our community combating the high costs of traditional health insurance.
Natalie Hengel
Broker / Partner, 8z Real Estate
I am excited to see CrowdHealth help today’s and tomorrow’s entrepreneurs who now have the freedom to pursue a dream without giving up an important safety net.
Mark Strub
Broker/Owner, Strüb Residential, Compass
Healthcare desperately needs viable alternative payment approaches. I am thrilled to see CrowdHealth leading the way.
A photo of the author of the quote
Dr. Tanya Stewart, MD, MBA
Former Chief Clinical Transformation Officer, United Health Group
As a physician in practice for over a decade, I'm immersed in the problems we face in healthcare. CrowdHealth is the most impactful solution to restoring the doctor patient relationship that I've seen.
A photo of the author of the quote
Dr. Maryanna Barrett, MD
Owner of Thrive OBGYN
The vast majority of people in this country are enjoined in an insurance contract they never wanted. CrowdHealth aims to change the terms of this spectacularly bad contract.
A photo of the author of the quote
Dr. Mark Napoli, MD, FACC
CEO, Cor Medical, Inc.
As a physician in practice for over a decade, I'm immersed in the problems we face in healthcare. CrowdHealth is the most impactful solution to restoring the doctor patient relationship that I've seen.
A photo of the author of the quote

Dr. Maryanna Barrett, MD

Owner of Thrive OBGYN

Healthcare desperately needs viable alternative payment approaches. I am thrilled to see CrowdHealth leading the way.
A photo of the author of the quote

Dr. Tanya Stewart, MD, MBA

Former Chief Clinical Transformation Officer, United Health Group

As a physician in practice for over a decade, I'm immersed in the problems we face in healthcare. CrowdHealth is the most impactful solution to restoring the doctor patient relationship that I've seen.
A photo of the author of the quote

Dr. Maryanna Barrett, MD

Owner of Thrive OBGYN

ON

Related Resources

More information to get you going.

Cheap Health Insurance in Georgia: CrowdHealth Plans Provide Affordable Coverage

CrowdHealth is disrupting the insurance industry through crowdfunded health plans with no monthly premiums, deductibles, physician networks, or profits-before-people attitudes.

Share

Searching for an Obamacare Alternative? Check Out These Alternatives!

Obamacare was introduced back in 2010 with three primary objectives. In 2019, the Obamacare mandate was lifted – allowing people to choose alternatives. Some states continue to enforce Obamacare, which means that you may incur financial penalties if you refuse to get this form of health insurance.

Share

CrowdHealth Health Plans Are Top NY Private Health Insurance Alternatives

Signing up for our budget-friendly crowdfunding health plans is great for consumers looking for alternatives. Most NY state health insurance plans leave customers guessing when they'll enjoy the full benefits of their coverage.

Share

Looking for Alternative Health Insurance? Here Are Some Alternative Health Plans to Consider:

There are many notable insurance alternatives that can be more affordable and effective. Typical health insurance plans in the U.S. are regulated by the Affordable Care Act (ACA) Insurers must follow a number of guidelines when creating and selling plans within this federal-regulated insurance marketplace.

Share

How to Check if a Doctor is in Network: How to Verify Networks and Find an In-Network Doctor

If you visit providers that are out of your network, you will incur higher costs. This is why many patients in the U.S. try to check if a doctor's within their network before figuring out whether to visit them for appointments.

Share

What is Christian Health Insurance? How Christian Healthcare Helps with Medical Care

Members pay monthly fees that go towards one central pot of money. They also tend to have a pre-negotiated preferred provider network. Many health sharing plans are emerging as viable alternatives to traditional health insurance.

Share

Looking for Affordable, Cheap Healthcare? Choose the Best Health Insurance and Boost Your Health Care

Some reports state that the cost of private health insurance could rise by about 10% by 2023 - more than double the rate of inflation. The cost of prescription drugs is also rising at a staggering rate.

Share

CrowdHealth Florida Health Plans Are Fantastic Cheap Health Insurance Alternatives

Our health coverage is derived through crowdfunding efforts from a group of like-minded people. The goal of paying for health care through crowdfunding is to eliminate many of the coverage restrictions associated with Florida insurance plans.

Share

Finding Affordable Health Care (Health Insurance) – How to Choose the Best Plans for Reliable Health Coverage

Many Americans are struggling to find affordable health insurance plans. There are more options for affordable coverage than you think. Assessing your options can be a little challenging.

Share

Healthshare: Could This Be the Best Way to Protect Your Health? Share the Costs and Say Goodbye to Traditional Health Insurance

Healthshare is an alternative to traditional health insurance in the United States. There are many similarities between healthshare and a normal health insurance policy.

Share

How Medical Cost Sharing Plans Allow You to Share Your Healthcare Costs: Why Health Care Sharing Could Be Your Most Affordable Option

Health ministries are cost-sharing, crowdfunding insurance alternatives for people from all walks of life. The very first health ministries can be traced back to the early 1900s in Amish and Mennonite communities.

Share

What’s the Deal with Health Ministries, and How Do They Affect Healthcare?

Health ministries are cost-sharing, crowdfunding insurance alternatives for people from all walks of life. The very first health ministries can be traced back to the early 1900s in Amish and Mennonite communities.

Share

How to Get Health Insurance After Open Enrollment

In the U.S., there is only one period throughout the year when most people can sign up for health insurance or switch plans. During this period, insurers are not allowed to turn down applicants due to their health status – including any pre-existing health conditions.

Share

Choosing the Best Gap Insurance for Short-Term Coverage

Gap insurance is an ideal way to ensure you're protected from financial hardship in the event of a medical emergency. Gap insurance should not be viewed as a long-term insurance solution, as there are several disadvantages associated with this type of coverage.

Share

A New Way of Looking at Affordable Health Insurance Plans in Texas

CrowdHealth is looking to flip the health insurance paradigm on its head with plans are designed to help the public access essential care without breaking the bank.

Share

Affordable NY Health Insurance Coverage Through Crowdfunding

Our plans don't have huge monthly premiums or deductibles, and don't ask New Yorkers to foot huge medical bills. Instead, we leverage a vibrant community of active Members to negotiate health care expenses.

Share

Bridge Health Insurance: Why This Type of Short Term Health Insurance Offers Plenty of Benefits and Health Coverage

These insurance plans often come with no coinsurance and no co-pays. CrowdHealth uses a crowdfunding business model to provide individuals with an alternative to traditional healthcare insurance.

Share

CrowdHealth: One of the Most Affordable Healthcare Coverage Alternatives to Cheap Health Insurance in Illinois

CrowdHealth is a low-cost, stress-free alternative to health insurance plans in Illinois. Members make contributions to a health fund each month that helps pay their medical bills.

Share

CrowdHealth Plans Are the Best Alternatives to Cheap Health Insurance in Texas

CrowdHealth is a unique alternative to health insurance plans in Texas. Our health plans cover medical expenses via crowdfunding.

Share

CrowdHealth Coverage: A Fantastic Alternative for Cheap Health Insurance in Virginia

Using CrowdHealth as an alternative to VA health insurance or regular health insurance can help you save on medical expenses while also giving you more freedom when selecting care providers.

Share

Crowdfunding Plans Provide Affordable Health Insurance Alternatives in Florida

Floridians struggle to find the care they need at prices they can afford. CrowdHealth's plans provide health coverage with no networks, no premiums, no deductibles, and maximal transparency.

Share

Seeking Cheap Health Insurance in Colorado? Get Coverage Through Crowdfunding Instead

CrowdHealth is an alternative to traditional health insurance in Colorado. Our crowdfunding plan leverages the negotiating power of many to secure lower costs for each Member.

Share

One of the Most Common Insurance Questions About Health Coverage: Can I Cancel My Health Insurance at Any Time?

Open enrollment in the individual market lasts from November 1st to December 15th.

Share

What to Do When COBRA Runs Out: Your Next Steps After Coverage Ends

COBRA is geared towards American workers who lose their health benefits. This type of coverage gives them temporary coverage under their previous group plan for a limited amount of time.

Share

CrowdHealth: Make Crowdfunding Medical Bills, Health Expenses, and Medical Costs Easy

CrowdHealth is a true alternative to the current health insurance system. Submitting your medical bills to CrowdHealth will recoup your costs. We are network-free, letting you and your family visit any provider you want. Even signing up is a simple process. Your monthly membership includes a care advocate that negotiates large health bills for you.

Share

Healthcare Simplified

Sign up and meet your Care Advocate

Get personal support through all the complexities of your health care, from appointments to billing, and crowdfunding for you when you need it

Choose or keep your existing doctors

No networks or restrictions, so you can get the best care for an affordable price

Tap into the power of the crowd

Our community of like-minded individuals helps each other pay for medical bills instead of lining insurers' pockets

CrowdHealth vs "Affordable" Insurance

How can we charge so little and be better than insurance?

Have Questions?

Talk to a CrowdHealth Specialist.