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Short Term Health Insurance
A Budget-Friendly Option to Reduce Your Monthly Costs
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Join the thousands of members we've covered
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Availability of plans and policy duration vary by state
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Here's How It Works
Customize
Get yourself a personalized quote in seconds by answering a few questions
Compare & Select
Compare your personalized plan options and pick the best one for you
Verify & Checkout
If approved, pick your payment method and you’re covered as soon as tomorrow!

How Pivot Health is different

Designed for Flexibility
Different price points, coverage levels, and policy lengths to provide flexibility
Easy Online Enrollment
We’ve built our enrollment process and our coverage with the digital consumer in mind
Highly Rated
Our customers consistently rate us “Excellent” on Trustpilot.
Telehealth Included in All Plans
Visit your doctor from the comfort of your home.

Personalized for you looking for

Looking for alternatives to COBRA

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Don't Risk Going Without Health Insurance
Top FAQs about Pivot Health
Who is Pivot Health?

Healthcare is expensive. Health insurance doesn’t need to be. We help you build a health plan that works for your busy life at a price you can afford.



Pivot Health is the operating coverage unit of HealthCare.com, and a licensed insurance agency, product marketing and development company. We strive to educate you about healthcare with in-depth information and remove pain-points that might keep you from feeling confident about your insurance purchase. At Pivot Health, we believe in transparency and invite you to ask questions online, send us an instant message, give us a call or email us for more details. No matter how you communicate, we are right there with you, assisting your decision-making process to ensure you get a health insurance plan that makes sense for your lifestyle and budget.

What's covered in our plans?

Plans offer coverage for a variety of medical services like doctor office visits, emergency room care, hospital stays, surgery and more after a deductible is met.



Some plans offer doctor office copays for primary care and Urgent Care. Each plan also includes coinsurance, which is the portion an insured is required to pay after the deductible is met.



It is important to review the Plan Details and understand full services provided, coinsurance out-of-pocket maximums, exclusions and limitations.



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What is short-term health insurance?

Short-term health plans are temporary coverage that can offer financial protection for medical services such as doctor office visits, emergency room visits, hospital stays and more. Short term medical plans can be a flexible option for individuals in an employer waiting period, between jobs or individuals who missed the open enrollment period.

How do our plans differ from ACA?

It is important to know short term medical health plans are not required to meet the essential standards of the Affordable Care Act, and in some states, the length of a policy might be limited according to state-specific rules. Pre-existing conditions are also not initially covered by short term health insurance, and companies are allowed to ask medical questions in order to qualify an individual for coverage.

Do Pivot Health policies cover pre-existing conditions?

In most states, pre-existing conditions diagnosed within the past 5 years are generally not covered under this plan. However, qualifying conditions you develop throughout the year while insured by a short-term plan could be covered. Certain exclusions apply. See plan details for more information

Empowering health coverage at every life turn.

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PivotHealth.com is the website domain of PivotHealth Holdings, LLC (Pivot Health), a wholly-owned subsidiary of HealthCare, Inc. This website serves as an invitation for you, the customer, to inquire about further information regarding health insurance, and submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on cost and coverage of insurance.

Pivot Health develops and markets a portfolio of proprietary health insurance and supplemental insurance products under the Pivot Health brand in addition to serving as a licensed broker under PivotHealth Holdings, LLC. Pivot Health may earn revenue for clicks, calls and insurance applications generated, and may be compensated by its advertisers for sponsorship. Compensation may impact where and in what order insurance products appear. Pivot Health’s platforms do not include all health insurance companies or all available insurance products.


For assistance with Medicare plans dial 844-231-3417

For other plans please dial 866-967-3416

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