Mere Benefits
Short Term Plans

Life doesn't always wait for the perfect timing.

Whether you're between jobs, waiting for new coverage to start, or need a simple temporary solution, you shouldn’t have to go without protection.

But choosing the wrong short-term plan can leave you exposed.

At Mere, we help you find a short-term health plan that bridges the gap — without unnecessary confusion or surprise costs.

The Problem:

You need fast coverage — but you don’t want to gamble with your health or finances.

The Solution:

Short-Term Medical Insurance can offer you temporary coverage for:

  • Unexpected illnesses

  • Accidents and injuries

  • Hospital stays

Why People Choose It:

  • Fast approval

  • Budget-friendly premiums

  • Flexible start dates

Man getting approved for short-term medical insurance

How It Works:

Short-Term Medical Insurance can offer you temporary coverage for:

  1. Get a Quick Quote
    Visit this link to see your short-term health plan options instantly.

  2. Apply Online
    Choose the plan that fits your needs. Enrollment usually takes less than 15 minutes.

  3. Get Covered
    Protection can start as soon as the next day, depending on your state and health status.

Book An Appointment NOW!

Ready to secure your peace of mind through the best insurance plan for you and your family? Look no further! Mere is here to guide you every step of the way.

A Word of Caution:

Short-term plans aren’t meant for long-term coverage — and federal rules currently limit these plans to just 4 months.

New regulations could change with a future administration, so it’s important to check with us for the latest updates.If you’re unsure whether a short-term plan is right for you, reach out to our team — we’ll guide you to the best option for your situation.

#simplyforyourbenefit

Short-Term Health Insurance FAQs

What is short-term health insurance?

Short-term health insurance offers temporary coverage for unexpected medical needs, designed to bridge gaps between longer-term coverage.

Who might need a short-term plan?

  • People between jobs

  • Recent college graduates

  • Early retirees waiting for Medicare

  • People outside Open Enrollment without a qualifying event

  • New employees waiting for employer benefits to start

How long can a short-term plan last?

Currently, short-term plans can last up to 4 months due to recent legislation.

(Previously, some plans lasted up to 12 months or longer, but this changed.) This time limit could be adjusted by future administrations, so it's a good idea to check with us for the latest rules before applying.

Is a short-term plan the same as regular health insurance?

No. Short-term plans are not ACA (Affordable Care Act) compliant. They may not cover:

  • Pre-existing conditions

  • Preventive care

  • Maternity services

  • Mental health services

They're designed for unexpected illnesses or accidents — not routine care or ongoing health needs.

Will I qualify for a subsidy or discount?

No. Short-term health insurance does not qualify for government subsidies (like Marketplace plans do). It is private, stand-alone coverage.

Do I have to pass medical questions to be approved?

Typically, yes. You’ll answer basic health questions during the application process. Some conditions could cause a denial.

What happens when my short-term plan ends?

When your short-term coverage ends, you’ll either need to:

  • Apply for a new short-term plan (if allowed)

  • Enroll in a longer-term plan during Open Enrollment or after a qualifying life event

  • Discuss other options with us to make sure you stay covered

How do I get started?

Click here to quote and enroll online!

Our team will follow up to ensure everything is set up correctly — and we’re always here if you need help picking the right option.

Licensed Insurance Agency

Not connected with or endorsed by the United States government or the federal Medicare program

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or ‍1-800-MEDICARE to get information on all of your options.

Medicare has neither reviewed nor endorsed this information. Not affiliate with or endorsed by the United States government, the federal Medicare program. Social Security, or
Healthcare.gov.


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[email protected]. We’ll be happy to help.

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