Need Short Term Health Insurance in Arizona?

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Get Help Finding Short Term Health Insurance Plans in Arizona

Short term health insurance is a flexible temporary insurance coverage solution when you need coverage for a gap or transition period in your life. Speak with a local expert near you to get the best plan for you in as little as 15 minutes. No additional cost to you.

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Working with an expert is the smart choice!

Benefits of Working with a Local Independent Health Insurance Broker


Clear Explanations

An Arizona-based, local agent near you is an expert in the short term health insurance plans so you don’t have to be. Get answers to your questions in terms you understand.

Unbiased Advice

An independent health insurance broker works for you, not the insurance company. You can trust them. They do not have a financial incentive to push features you don’t need.

No Extra Cost to You

You pay the exact same price for a short term health insurance plan whether you use an agent or not. The broker will take care of the entire enrollment process for you at no extra cost.

 Save Time and Money and Get Best Short Term Health Insurance Plan in Arizona

A short term health insurance plan can help you bridge the gap in coverage until you find a more permanent insurance solution. Whether you’re waiting for employer coverage to kick in or you’re a university student seeking benefits during the school year, a health insurance agent in Arizona can assist you in deciding if this coverage is suitable for your requirements. It’s completely free to use.

What are Short Term Health Insurance Plans?

Short term health insurance plans, also known as temporary health insurance, are low-cost healthcare plans that provide coverage for a fixed period of time and can last anywhere from one month to a year.

Short term plans are not meant to be a long term solution for your health care needs, but rather a bridge until you can find more permanent coverage.

Temporary health insurance plans usually don’t cover pre-existing conditions, provide any type of preventative care or have an annual or lifetime cap on the amount they will pay out. Instead, they provide essential health care coverage, like doctor visits and hospital stays, in the event of an unforeseen injury or sudden illness.

You can purchase a short term health insurance plan from a variety of places. However, the best way to find the best plan for you is to work with a local Arizona health insurance agent.

Who Needs a Short Term Health Insurance?

Short term health insurance is for people who, for whatever reason, find themselves without health insurance coverage.

If you have recently lost your job or are between jobs, have recently graduated from college, have a seasonal employment schedule or have just turned 25 and are no longer under your parent’s insurance, you may be in need of short term coverage.

Short term plans are not meant to replace long term health insurance, but rather to provide you with a solution until you can find more permanent coverage.

Temporary health insurance will usually cost less than an ACA health plan and are perfect if you find yourself in a situation where you simply can’t afford a long term health plan. For example, bridging the gap between two jobs.

If you get a short term plan within 63 days of losing regular health insurance coverage, the plan will not be able to deny you coverage due to a preexisting condition.

Short term plans are not required to provide you with the same level of coverage that ACA health plans do. However, many of them do offer a decent amount of coverage for physical health needs.

Finding the Best Short Term Health Insurance for You

The best way to find the right health insurance policy in Arizona is to shop around. This means comparing your options.

You can start by looking into different insurance providers and the plans they offer. We recommend that you consider the following when you’re shopping for temporary health insurance plans: plan type, coverage amount, premium, out-of-pocket expenses, types of coverage, plan limitations, and the reputation of the provider.

Keep in mind that providers and plans vary by county in Arizona.  Also, the plans can vary by healthcare networks (i.e. doctors) and hospital. The many variables involved in getting healthcare in Arizona is a primary reason for working with a local insurance agent.

How Much Does Temporary Health Insurance Cost?

In Arizona, the cost for short term health insurance can vary significantly, depending on the applicant’s age, zip code, whether they use tobacco, and the health insurance company they choose.

Unlike Obamacare plans, temporary health insurance plans to not offer premium tax credits, or federal government subsidies provided under marketplace.

Plan Limitations and Exclusions

As you’re shopping for a short term health insurance plan, you’ll want to be aware of and fully understand any plan limitations. Pay attention to any exclusions or limitations on coverage.

Exclusions are reasons that you won’t be covered for certain services or treatments. Limitations are limits on the amount of coverage that you’ll receive for certain services.

You may want to get extra coverage if you have a high-cost medical condition. You may also want extra coverage for prescription drugs. This can help you avoid significant out-of-pocket costs. You may also want extra coverage for dental care.

Limitations and exclusion can be very confusing. If you find them daunting, we highly recommend you work with a local Arizona health insurance agent to help you understand exactly what you need and are buying.

Reputation of the Provider

When you’re shopping for a short term health insurance plan, you should also consider the reputation of the provider. Some health insurance providers provide extra benefits like remote doctor visits and health apps for your phone that can be extremely helpful. Other providers may be known for being difficult to work with and denying treatments.

You can get a feel for a company’s reputation by looking at online reviews, reading news stories, and exploring public records. You can also talk to people you know and trust who have experience with health insurance. You may want to avoid providers with a bad reputation. They may be more likely to deny claims.

Final Words

Finding and buying short term health insurance in Arizona can be a daunting task. As described above, health insurance today is very complex and insurance laws change every year.  The terminology used in unfamiliar to most people, making it hard to navigate the system for the average Arizonan.

Do you need a temporary health insurance plan? Please don’t go it alone when you don’t have to.  A local independent health insurance agent knows everything about enrolling in Arizona short term health insurance plans.  A local agent will help you find the best plan for your needs and budget, and can make sure you get enrolled successfully.

Click here to find an agent near you.

About Us

Arizona Health Insurance Experts represents a network of independent health insurance agents that are part of your local community and support the people in it.

Unlike captive agents, our independent health insurance brokers have access to all Arizona health insurance plans to find you the best coverage at the best price.

Agents on this website are carefully screened so that we can guarantee you’ll receive exceptional personalized service when you need to buy health insurance in Arizona.

We guarantee you the freedom to choose to work with our agents in any setting in which you are comfortable: via the internet, by phone, or in an office near you. Our agents will even meet with you over coffee – or any place of your choice for that matter.


What Our Clients Say

Customer Reviews

{This site was so easy to use and find an insurance broker that knew the networks in my area.  If you are looking for medical insurance, use the brokers here.  Top notch and they know their stuff.
Ernesto Q.
{Choosing an Obamacare policy was very confusing until I found Chad on this site.  I let him know what coverage and doctors were important to me and he helped me find and enroll on a plan that works for me and my entire family.  I would highly recommend him.
Frankie W.
{Tammy Walsh – Thank You for helping me save money on my health insurance!
Sherry F.
{BEST WEBSITE EVER!  You get to choose an insurance agent and you only get contacted from that agent.  (Not like a lead site when you get 50 calls from multiple agents.)  These agents are local and know the best plan for you in the area you live.  Use this site to find an agent that can help you.
Aurora K.
{I hit the jackpot when I found this site and my insurance agent Warren Pitman. Warren not only found me my Obamacare policy he also was able to evaluate and enroll my parents on their Medicare Advantage plan. Thank you, Warren.  We are your clients for life!
Keith D.
{Rebecca, Thank You for your help in finding the right insurance plan for me.  You were very informative and walked me through the process.  It was so easy with your help. Thank you!
Kim O.
{I am so happy I found this site when searching for my health insurance for my family. I not only found the best insurance agent for us, I found our insurance agent for life.  Thank you Brian for always being there for my silly questions after I have enrolled in my plan. I will be sending all of my friends and family to you.
Lydia P.
{My son was born with some health issues and we needed Phoenix Children’s Hospital and Providers In Network on our new insurance plan. I was so overwhelmed researching the different carriers and their networks. I worked with Dave and he had the information on which carriers had PCH in network and enrolled us on a plan in that works for my son in less than 10 minutes. I would have been lost without the help of Dave.
John G.
{I was laid off from my job and I have never had to get insurance on my own. I found this website and worked with Phillip and he ran quotes for me, checked to see if my Doctor was in the network and within 8 minutes helped me enroll on a plan thru the Marketplace. And this was all FREE!  I could not be happier with my experience with this site.
Lauren B.
{I am going to be honest. I do not know the first thing about health insurance.  I found Tim thru this site and he walked me thru my options. No pressure. Always responded to my questions and helped me enroll on a plan that works for me and my budget.
Kevin M.
How You Do It

Getting Insured is Fast and Easy


Step 1

Find a local Arizona health insurance agent near you in our directory. It’s fast and easy.

Step 2

Schedule a phone call or face-to-face meeting at the agent’s office, your home, or even a coffee shop.

Step 3

Receive a free quote for one or more plans that meet your needs and budget.

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