Compare Rates and Save on Health Insurance


Short-term health insurance is a low-cost, limited-duration health plan that lasts for a few months or weeks (although you can extend it). It is generally for people who are between jobs, have missed open enrollment or are waiting for Medicare benefits to begin. These policies do not comply with the Affordable Care Act requirements, so they don't always include essential health benefits or cover pre-existing medical conditions.

MoneyGeek identified the top two short-term health insurance companies in Oregon as National General Accident & Health and Everest Reinsurance Company, with scores of 90 and 85, respectively. Nonetheless, the best provider depends on your needs and preferences.

Short-term insurance plans may not provide the coverage you need over the long term. You might qualify for marketplace plan subsidies that give you a better combination of price and coverage. Learning about your long-term options can save you money down the road.

MoneyGeek Logo IconBestShort-Term Health Insurance

Best Companies for Short-Term Health Insurance in Oregon


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 Oregon

MoneyGeek's study of Oregon health insurance companies ranked the following as the best short-term policy providers based on maximum out-of-pocket (MOOPs) costs and other cost-sharing options:

  • National General Accident & Health: 90 out of 100
  • Everest Reinsurance Company: 85 out of 100
  • Companion Life Insurance Company: 63 out of 100

Oregon's first- and second-place companies have an average MOOP of $6,100 and $7,958, respectively, while the state's third-place company has an average MOOP of $12,438. This is a significant cost difference prospective policyholders will need to consider.

MoneyGeek Top Pick
National General Accident & Health

National General Accident & Health is the best short-term health insurance provider in Oregon, with a score of 90 out of 100. It offers dental, accident and critical illness coverage, as well as Medicare supplement plans.

The company’s short-term plans have varying lengths, coverage options and deductibles. It has a network of more than 49,000 agents and an A+ rating from the Better Business Bureau.

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

uninsured icon

Opting not to get health insurance because you think you can afford to pay for medical services out of pocket can be dangerous. If you have an accident or need emergency surgery, you risk being saddled with thousands of dollars in medical bills. Having health insurance protects your finances.

Best Cheap Short-Term Health Insurance

National General Accident & Health's short-term health insurance plans have an average MOOP of $6,100, the cheapest average maximum out-of-pocket cost in Oregon.

When shopping for cheap insurance, it’s tempting to focus on monthly premiums. However, you should also consider the amount you might have to pay out of pocket when using covered healthcare services. The right plan will meet your needs and fit your budget.

MoneyGeek Top Pick
National General Accident & Health

National General Accident & Health provides the most affordable short-term medical plans that cover a limited number of health care services. You can easily tailor plans to your needs and budget using the quote form on the company’s website.

Although these plans are the cheapest, they don’t provide the same health care coverage as long-term plans. They’re only appropriate for healthy people who still want to protect themselves.


Short-term health insurance plans can be a good choice for people who need coverage for a limited period. However, these plans do not provide the same level of coverage as marketplace plans and may not cover pre-existing conditions. They are not substitutes for standard, long-term plans. Additionally, insurers can refuse to renew your policy if you’re diagnosed with a medical condition.

Best Short-Term Health Insurance Between Jobs

People looking to purchase short-term health insurance plans between jobs should carefully consider whether they’ll require frequent medical attention during their coverage period. Typically, low-premium plans mean high MOOP costs, so if you need a lot of medical attention, you could end up paying more out of pocket.

MoneyGeek ranked the best companies in Oregon based on monthly premiums and cost-sharing options to determine which gives unemployed individuals the most bang for their buck. These are:

  • National General Accident & Health: $125 per month
  • Everest Reinsurance Company: $153 per month
  • Companion Life Insurance Company: $138 per month

Everest Reinsurance Company is more expensive than the other two. That said, it offers the most plan options, which adds significant value in our ranking.

MoneyGeek Top Pick
National General Accident & Health

National General Accident & Health offers the best short-term health insurance for buyers between jobs. You can select the coverage most appropriate for your needs and duration — from 30 days to a year. However, the services it covers are limited.

boyThinking icon

If you have to wait a few months before your employer's health plan takes effect, or if open enrollment is just weeks away, extending your short-term health insurance will give you the protection you need before you get a marketplace plan. Marketplace plans offer better and more comprehensive coverage at lower prices, as well as broader networks and higher quality care than short-term plans.

How Does Short-Term Health Insurance Work in Oregon?

If you're switching jobs or losing your health insurance coverage, you may have to take a break from your current health plan. While you wait for the next open enrollment period, you can consider short-term health insurance.

Short-term coverage typically lasts up to a year but doesn't cover all bases. Policies tend to have more limited benefits, higher out-of-pocket costs and more restrictions. But in certain situations, they can be helpful.

How to Buy Short-Term Health Insurance in Oregon

As with any policy, buying short-term health insurance in Oregon involves researching your options and shopping around. The following steps will guide you through the process:


Determine How Long You Need Coverage

Short-term health insurance plans range from three months to three years. Consumers should consider their situation and the length of time they need coverage before shopping for a long-term policy.


Assess Your Health Care Needs

Short-term health insurance plans do not meet the requirements of the Affordable Care Act, which mandates coverage of essential health benefits. As a result, short-term plans may not cover services such as prescription drugs or preventive care. Consider your health care needs when shopping for a plan.


Research Providers and Available Plans

When choosing an insurer, compare plan options and coverage details. Think about the length of time you want to be covered, your deductible and whether the plan offers certain benefits you need.

freelancer icon

Consider your needs when deciding between short-term health insurance vs. ACA plans. Short-term plans do not include all the essential health benefits or cover pre-existing conditions. Depending on the state, these plans can last from months to a few years.

On the flipside, ACA-compliant marketplace plans must include certain benefits and provide access to coverage for people with health problems. You sign up for these plans during the open enrollment period, usually from November 1 through December. People who experience certain life circumstances may be eligible for special enrollment outside this period.

FAQs About Short-Term Health Insurance in Oregon

MoneyGeek provided answers to common questions about short-term health insurance in Oregon, including what it covers, how long you can keep or stay on it, and some helpful tips for finding the best policy for your needs.

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.