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Depending on your requirements, a short-term health insurance policy can cover you for a few weeks to more than a year. It can provide coverage if you are unemployed or miss open enrollment.

Short-term health insurance does not comply with the Affordable Care Act (ACA) requirements, so it doesn’t typically cover essential health benefits. It’s not intended to replace marketplace plans, and if you research potential subsidies, you may find a marketplace plan that provides higher coverage at a comparable cost. In addition, short-term health insurance providers can reject applicants with pre-existing conditions.

Florida’s best short-term health insurance providers are National General Accident & Health and Everest Reinsurance Company, scoring 95 and 85 out of 100, respectively. The best short-term health insurance company for you will offer coverage that meets your needs at a reasonable cost.

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Best Companies for Short-Term Health Insurance in Florida


To determine the best short-term health insurance companies, MoneyGeek analyzed the pricing, plan options and cost-sharing choices for thousands of plans. Within each state, plans were aggregated by company to compile an overview of a short-term health insurance provider. In determining the best short-term providers for specific categories, weights were redistributed to take into account the goal of the health insurance plan.

Please be advised that the costs provided are averages. Actual rates will vary based on consumer profile and location.

Best Overall Short-Term Health Insurance in Florida

According to MoneyGeek's study, National General Accident & Health is Florida’s best short-term medical insurance provider, with a score of 95 out of 100.

The following companies come in second and third:

  • Everest Reinsurance Company: 85 out of 100
  • Companion Life Insurance Company: 63 out of 100

We selected these insurance carriers based on their average maximum out-of-pocket costs (MOOP) and the different cost-sharing choices they provide. The average MOOPs of the top two companies range from $7,500 to $8,00, while Companion Life Insurance’s average MOOP is significantly higher at $12,483.

MoneyGeek Top Pick
National General Accident & Health

National General Accident & Health is our recommendation for the best temporary health insurance provider in Florida, earning a score of 95 out of 100. It provides dental, accident and critical illness plans in addition to short-term preferred provider organization (PPO) insurance coverage.

According to MoneyGeek's research, National General Accident & Health is a health insurance provider that operates in most states and offers comprehensive coverage at competitive prices. Prospective policyholders can select a coverage term of three months to three years.

Nevertheless, National General Accident & Health has a few limitations to consider. For instance, it only provides a single type of short-term plan, and some of its policies have relatively high deductibles.

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Don’t give in to the temptation to do without health insurance. Medical treatment for accidents and emergency surgery can cost tens of thousands of dollars and cause considerable financial damage.

Best Cheap Short-Term Health Insurance

With an average MOOP of $7,500, National General Accident & Health provides Florida’s cheapest short-term health insurance. However, note that low premiums usually mean high out-of-pocket costs. Therefore, while selecting a plan based on price, ensure its coverage meets your unique requirements.

MoneyGeek Top Pick
National General Accident & Health

National General Accident & Health is the cheapest short-term health insurance provider in Florida. It provides low coinsurance, has minimal application fees and low out-of-pocket limitations for specific plans. Examine each plan option to identify the most appropriate policy for you.


Know why you require Florida short-term health insurance before you shop for and purchase coverage. To reiterate, temporary health insurance is not meant to replace a market plan. Short-term policies are intended to protect you from catastrophic costs temporarily.

Short-term health insurance policies don’t typically provide coverage for pre-existing conditions and frequently lack coverage for essential medical services. In addition, if you develop an illness, your short-term policy may not be renewed.

Best Short-Term Health Insurance Between Jobs

People between jobs may need to resort to short-term policies with low rates, even though low premiums typically come with high MOOPs. Therefore, you may need a different option if you frequently visit your doctor.

MoneyGeek analyzed each firm’s prices and cost-sharing options and determined the following are the best providers of short-term health insurance between jobs in Florida:

  • Companion Life Insurance Company: $180 per month
  • Independence American Insurance Company: $181 per month
  • UnitedHealthcare: $184 per month

Monthly premiums for these providers hover around $180. Companion Life Insurance Company stands out in particular because it provides the most affordable rate and has a waiting period that is only moderately long.

MoneyGeek Top Pick
Companion Life Insurance Company

Since 1971, Companion Life has offered clients medical coverage through its health insurance policies. The company is an excellent choice for people between jobs because it offers inexpensive policies with up to $1 million in coverage. In addition, Companion Life provides options for accident and health insurance with restricted benefits.

However, Companion Life only offers one short-term plan type with limited term-length options, the shortest being six months. It has minimal co-insurance options and a high average MOOP of $12,483.

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Extending short-term health coverage makes sense under certain circumstances. For example, if your job start date is postponed or open enrollment for marketplace plans is a few months away. In the long run, short-term health coverage should not replace marketplace plans. Even if you’re looking for a cheap option, the marketplace offers Catastrophic, high-deductible health plans and Bronze options that are affordable and still cover the essential health benefits.

How Does Short-Term Health Insurance Work in Florida?

Short-term insurance is intended to be a stopgap measure until you can acquire long-term insurance. It often lasts a few months and serves as an emergency strategy rather than a preventive one.

In most cases, you can renew your short-term coverage if you want to extend its duration. In Florida, you can purchase a plan for up to 364 days and renew it for up to 36 months.

How to Buy Short-Term Health Insurance in Florida

Choosing the most appropriate short-term health insurance in Florida can be challenging. MoneyGeek provides a step-by-step approach to help you get a strong foothold.


Determine How Long You Need Coverage

Short-term health insurance coverage terms range from three months to three years. You may, however, find insurers that provide coverage for several weeks.


Assess Your Health Care Needs

The best short-term health insurance plan for you depends on your medical requirements. Consider your needs and then prioritize medical insurance providers that meet them with low deductibles and no application charge.


Research Providers and Available Plans

At first look, most short-term health insurance policies seem economical, but you can end up paying for a plan that doesn’t meet your needs. MoneyGeek advises readers to properly evaluate each plan's list of benefits to find an adequate policy at a reasonable cost.

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Health insurance plans purchased through the marketplace differ from short-term health insurance in several important aspects. For example, short-term plans don’t typically cover pre-existing conditions or offer basic health benefits. Instead, they are ideal for emergencies.

Conversely, marketplace health insurance plans are great for consumers seeking comprehensive benefits, such as maternity care, preventive care, routine checkups, doctor appointments, mental health coverage and more. Typically, short-term plans don’t cover these medical expenses.

FAQs About Short-Term Health Insurance in Florida

MoneyGeek responded to frequently asked questions about short-term health insurance in Florida.

About Brenna Kelly, Licensed Health Insurance Agent

Brenna Kelly, Licensed Health Insurance Agent headshot

Brenna Kelly is a licensed health insurance agent and health insurance content manager at MoneyGeek. Licensed in Florida, Brenna is qualified to advise on medical insurance, disability, long-term care, critical illness, Medicare Supplements and Medicare Advantage Plans. She combines her experience in content production with expert insight into state, regional and local health insurance markets and policies. Brenna has also earned a Bachelor of Science and Master of Arts in Applied Sociology from the University of Central Florida.