Short-Term Insurance Plans

For those who need temporary coverage or don’t require the full extent of ACA insurance, short-term insurance plans can be a good fit. In Tennessee, these plans can be written for up to three years, and in many cases, they take effect the very next day. While the premiums are typically lower, keep in mind that short-term plans don’t cover pre-existing conditions and are not as comprehensive as ACA plans.

Why Consider It? Short-term insurance plans offer flexible, budget-friendly solutions for people in transition—whether between jobs or waiting for the next enrollment period. But be cautious: these plans are underwritten based on your health condition and may not provide coverage for certain pre-existing conditions.