Short-Term Medical
Short-term health insurance provides temporary healthcare coverage for members and employees between jobs, leaving school, or waiting for major insurance coverage to begin.
Short term medical insurance plans made easy
Premier Health Solutions manages a health program's back-office tasks so you can focus on your members. We're a comprehensive provider of benefits, administration, and management services for a number of healthcare options, including short term health insurance.
We also make it easy for associations and small businesses to grow and retain their members by providing valuable benefits at affordable rates. Because we're always researching the market, we help your association stay competitive.
Easy for your members
Backed by a leadership team with extensive experience in the healthcare industry, we know how to streamline services. Your members will appreciate the wealth of membership benefits. You'll have time to focus on growing your business.
Secure Member Portal
Members can access their benefits through our secure member portal any time.
Easy, Recurring Payments
Make premium payments by credit card or ACH bank drafts with easy setup.
Customer Service
Members can reach out to our customer service team with their questions at any time.
Short term health insurance options
We've dedicated ourselves to creating innovative healthcare packages with industry-leading carriers. Short term health insurance is a flexible option that allows entrepreneurs, contractors, freelancers, and others to find healthcare at affordable rates.
States Available
Short term health insurance plans available in 27 states with flexible deductible options.
Months of Coverage
Depending on the state, short term health insurance plans cover individuals or families for up to 36 months.
Temporary Coverage
Short-term plans bridge coverage gaps between jobs or life changes with quick enrollment.
Carefully Vetted
We carefully vet all of our carriers and non-insured benefit options to ensure we are providing consistent, high-value services.
What you can expect from Premier Health Solutions
We work from a unique model at Premier Health Solutions. Our leadership team is made up of industry veterans who understand the pain points many small businesses and agencies experience when supporting members.
Access to a rich benefits package at affordable rates
Competitive plans designed for today's families and small business groups.
Easy enrollment for your members
Streamlined enrollment processes that make getting started simple and fast.
Transparent billing and collections services
Clear, honest billing so your members always know what they're paying for.
Customer support, every step of the way
Streamlined agent support and reliable customer service for members and partners alike.
About Short Term Health Insurance
Short term health insurance provides temporary medical coverage for a limited period, typically up to 36 months depending on the state. It is designed to bridge gaps in coverage during life transitions like job changes, waiting periods, or self-employment.
No. Short term medical insurance is not considered minimum essential coverage under the Affordable Care Act. It may not cover all essential health benefits required by the ACA, and it may have limitations on pre-existing condition coverage. It is designed as temporary coverage, not a permanent replacement for comprehensive health insurance.
Coverage duration varies by state, but plans administered through Premier Health Solutions can last up to 36 months. This flexibility makes short term medical a practical option for members who need extended temporary coverage.
Short term medical insurance works well for entrepreneurs, small business owners, independent contractors, seasonal workers, early retirees not yet eligible for Medicare, and anyone experiencing a gap between employer-sponsored plans.
Short term medical insurance administered by Premier Health Solutions is currently available in 27 states. Contact us for the most up-to-date list of available states and plan options.
Plan networks vary by carrier. Some short term medical plans include preferred provider networks that offer lower out-of-pocket costs, while others may allow you to visit any licensed provider. Check your specific plan details for network information.
Many short term medical plans offer fast enrollment with coverage starting as soon as the next day, depending on the carrier and state requirements.
As a third-party administrator, Premier Health Solutions handles billing, enrollment, member services, and ongoing plan administration. We work with A-rated carrier partners to ensure members receive reliable coverage backed by strong, reputable insurance companies.
Explore more products we administer
Want to offer this product?
Partner with PHS as an independent agent. Competitive commissions, full back-office support, and A-rated carrier products.
Learn About Partnering →Learn more about short-term medical insurance
At Premier Health Solutions, we simply do things the right way — for our customers and your members.