Best Cheap Short Term Health Insurance in Texas

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Wondering how to get health insurance coverage for yourself or your family for a short period of time? We’ve researched the best insurance companies in Texas to help make your decision easier. Here’s an overview of what you can expect and top picks across the Longhorn State. 

The Best Short Term Health Insurance in Texas:

Texas Health Insurance Facts

First, we’ve put together a quick overview of Texas health insurance facts. Here’s a quick overview:

  • There are 4.8 million people uninsured in Texas — it’s the largest number of uninsured people in the country.
  • Individuals between the ages of 18 – 64 are the most likely to be uninsured.
  • Texas is the 6th least-expensive state for personal health spending, with a per capita average of $5,924.

What is Short Term Health Insurance? 

Short term health insurance covers individuals or families for a set time (usually months). It’s meant for people who want insurance coverage to help fill the space when they’d traditionally be without it. A great example is if you’re 26 and you’re getting off your parents’ insurance coverage. Short term insurance ensures that you have some basic coverage until you can reliably shop around for and choose permanent insurance for yourself. 

You may still be looking for affordable health insurance as you transition between jobs. The last thing you want is to have a sudden injury or illness that takes a huge bite out of your savings. Short term insurance protects you until you can buy a long-term health insurance plan. 

Who Needs Short Term Health Insurance?

Short term health insurance is designed to act as a bridge while you’re between plans. It’s worth noting that if you’re searching for short term health insurance in Texas, you may be ineligible for coverage from guaranteed-issue health plans. For example, if you’ve turned 26 and you’re considering COBRA or a short term health insurance plan, you’ll need to choose. You can have one or the other, but not both. The same applies to HIPAA plans. 

COBRA plans are health insurance plans that allow employees (and their dependents) continued access to health insurance coverage in the event that the employee’s work hours are reduced (thus making them ineligible for insurance) or they lose their job. HIPAA plans are what are known as creditable coverage. Most traditional insurance plans fall into this category, including group, individual, Medicaid and Medicare plans. In other words, if you have COBRA or a traditional long-term insurance plan, you can’t have a short term insurance plan at the same time. 

Short term health insurance in Texas doesn’t cover preexisting conditions and it doesn’t offer the minimum coverage required by law for plans that fall under the Affordable Care Act. However, if you need cheap insurance that helps ease the burden of the high costs of a hospital stay or emergency surgery, short term insurance can fill that gap. 

It doesn’t offer complete coverage as more traditional insurance plans but it’s naturally more affordable. If you need proof of insurance quickly, short term insurance can provide you with that peace of mind. It doesn’t provide you with the bells and whistles of other plans, like covering preventive care (although some plans may) or offer extras like dental and vision. We’ve provided you with a wide range of options and you may be able to choose to add on these extra types of coverage at a higher cost. 

When Can You Enroll in Short Term Health Insurance?

Unlike Medicare or ACA plans, which have a set timeframe for enrollment, there is no enrollment time period for short term insurance plans. This means that you can buy a plan at any time. 

It’s important to note that in Texas, you can only have a short term plan for 364 days or less. You can renew your plan for a total timeframe of 36 months. There are also state-mandated benefits that apply to all short term insurance plans sold in the state of Texas. 

Where Can You Enroll for Short Term Health Insurance? 

There’s no shortage of companies that offer reliable, affordable health insurance options in Texas. The best health insurance companies calculate rates using their own specific formula. It’s a good idea to get quotes from the companies we’ve profiled. All companies offer a free online quote customized to your specific needs. 

Best Short Term Health Insurance Options in Texas

You’ll find a good balance of features and affordable rates for short term insurance coverage. We recommend getting a quote from each company to weigh your options and choose the best balance of coverage and cost. 

1. Best Overall: UnitedHealthcare

United Healthcare is well known for its comprehensive health insurance plans across the nation. It offers the same level of dedication and flexibility to short term health insurance plans. In Texas, the company offers Enhanced Short Term Medical plans. This is an affordable option for short term coverage, but with added benefits not typically found in gap insurance plans like these. 

United Healthcare offers 4 different short term insurance plans which can cover urgent care copays, but only the Copay/Direct plan covers doctor office visits. Several plans also cover prescription drugs. Looking for short term health insurance with cheaper premiums? Be sure to check out United Healthcare’s Value/Direct plan. 

2. Most Affordable: LifeShield

It’s hard to beat LifeShield’s affordability. The basics are covered but it also offers additional customization options.

For example, you can choose to add hospital admission and daily room benefits, cancer (first diagnosis) coverage or coverage for a heart attack or stroke.

You’ll be able to get a wide range of coverage that’s tailored to your specific needs. 

3. Best for People Who Want Doctor Visit Coverage: Everest Prime

Everest Prime is a great option for people who want short term health insurance coverage for major injuries or hospitalizations but also want doctor visits covered as well.

This is particularly important if you’re managing a chronic condition. Everest Prime offers plans with coverage period maximums of $750,000 and $1,000,000 as well as doctor visits for $40 and a variety of coinsurance options including 100/0, 70/30 and 80/20. Deductibles are affordable, too, and include $1,000, $2,500 or $5,000 amounts. They can give you a solid selection of plans at great rates. 

4. Best for Customizable Options: National General

National General offers short term health insurance in Texas with customizable plans to fit your needs. You can mix and match different options and do it all online. You can also get one-on-one help with agents through the website at any time.

This type of customization is rare among short term insurance plans, so if you want to be able to control your costs and still enjoy a variety of coverage options, it’s worth getting a quote online to fit your needs. 

5. Best for Simple and Affordable Coverage: Companion Life

Companion Life Insurance offers short term insurance known as Pivot Health. Companion Life notes that these plans cost 50% less than traditional Affordable Care Act plans. You’ll also be able to choose your own doctors and hospitals.

The company is backed by the financial strength of an A+ superior rating by A.M. Best. Companion Life is worth getting an online quote when you want simple, no-hassle short term insurance that takes care of the basics so you can enjoy greater peace of mind.  

Get Cost-Effective Short Term Coverage in the Longhorn State

You need a short term coverage company you can trust. We recommend getting a quote from each of the 5 companies profiled here so you can weigh your options and get customized pricing and flexible coverage that fits your needs. The quote process can be started online by answering a few questions. Check out your options and get the best short term health insurance for you. 

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