{"id":18608,"date":"2026-01-21T10:27:32","date_gmt":"2026-01-21T02:27:32","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=18608"},"modified":"2026-08-26T21:11:26","modified_gmt":"2026-08-26T13:11:26","slug":"top-short-term-health-insurance-plans","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html","title":{"rendered":"Top 10 Short-Term Health Insurance Plans in 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Need short-term health insurance for the U.S., travel, or international stays? Top providers include Allianz Care, AXA, Blue Cross Blue Shield, Everest, Pivot Health, and UnitedHealthcare. These companies offer flexible short-term plans for both domestic and global needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This guide highlights the <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term-health-insurance-plans\/\"><span style=\"font-weight: 400;\">best short-term health insurance options<\/span><\/a><span style=\"font-weight: 400;\"> and key factors to compare when choosing a plan, ensuring you get the right coverage wherever you go.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Overview of the Best Short-Term Health Insurance Plans\u00a0<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-27968 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-of-liberty-with-manhattan-skyline-across-the-harbor-in-daylight.webp\" alt=\"Image of Statue Of Liberty With Manhattan Skyline Across The Harbor In Daylight with text overlay of &quot;Overview of the Best Short-Term Health Insurance Plans&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-of-liberty-with-manhattan-skyline-across-the-harbor-in-daylight.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-of-liberty-with-manhattan-skyline-across-the-harbor-in-daylight-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-of-liberty-with-manhattan-skyline-across-the-harbor-in-daylight-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-of-liberty-with-manhattan-skyline-across-the-harbor-in-daylight-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-of-liberty-with-manhattan-skyline-across-the-harbor-in-daylight-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Prime suggests coverage from <\/span><b>Everest, Pivot Health, and UnitedHealthcare<\/b><span style=\"font-weight: 400;\"> for top-tier short-term coverage in <\/span><b>the United States<\/b><span style=\"font-weight: 400;\">, as their plans offer more comprehensive coverage with flexible add-ons not usually offered in short-term insurance.\u00a0<\/span><\/p>\n<p><b>Allianz Care, AXA, April International, and Blue Cross Blue Shield offer some of the best short-term international insurance<\/b><span style=\"font-weight: 400;\"> with wide network access around the globe, stellar customer care, and unique customization to meet your health needs, whatever the length of coverage you need.<\/span><\/p>\n<p><b>April International, VUMI VIP, IMG GlobeHopper, and MSH International make the list of top travel insurance companies<\/b><span style=\"font-weight: 400;\">. These companies\u2019 coverage of medical needs and all other trip-related mishaps make them ideal for those planning a brief trip abroad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Short-term health insurance is meant to cover your medical needs when you have a gap in coverage, whether you\u2019ve lost a job or moved to a new state.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For those looking for coverage in the United States, remember that short-term health insurance won\u2019t cover all ten essential health benefits outlined by the ACA, but different plans offer different levels of coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are our suggestions for the top short-term health insurance companies in the country.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Best Short-Term Health Insurance in the United States<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The best short-term health insurance companies in the United States are Everest, Pivot Health, and UnitedHealthcare. Within the United States, the options for short-term health insurance vary widely depending on the state in which you live.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you live in a state that allows short-term coverage, we suggest the following insurers:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Everest<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Consider Everest\u2019s Flex Term Health insurance policy for competitively low prices. They boast a strong focus on customer satisfaction and offer great flexibility with four deductible options, four coinsurance options, and four coverage maximum options\u2014including up to USD $1.5 million.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Their comprehensive coverage offers basic and major medical coverage in most states. However, because their coverage is higher, their premiums also tend to be higher than other competitors. They also don\u2019t cover prescriptions unless you\u2019ve been hospitalized.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Pivot Health<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pivot Health\u2019s premium costs are comparatively low, but make sure to look through their plan specifics, as their coverage tends to be less extensive. Also, keep in mind that their maximum coverage option is lower than other companies, with a cap at USD one million.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pivot Health does cover prescriptions; their Quantum PPO Copay plan offers a USD $5 generic copay on certain prescription drugs, with preferred copays at USD $35 and nonpreferred at USD $70. Pivot Health\u2019s Epic Base policy also extends its coinsurance at 0%, paired with a low policy cost.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">UnitedHealthcare<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">With deductibles as low as USD $2,500 and a lifetime coverage maximum of USD $2,000, it may be an affordable option, but consider that the premium may be higher and that the coinsurance sits at 30%.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">UnitedHealthcare\u2019s Copay Select Max plan covers prescription drugs with a USD $25 copay, urgent care visits at USD $75, and doctor visits at USD $50, capped at four visits per term. As a large insurer, UnitedHealthcare also offers an extensive global provider network.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some people find this plan tempting because, after 12 months, it covers pre-existing conditions and preventative care after six months (up to USD $200). However, ACA plans will be much more affordable and comprehensive if you\u2019re considering long-term plans.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Best Short-Term International Health Insurance Options<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Allianz Care, AXA, Blue Cross Blue Shield, and other international health insurance providers offer excellent options if you need short-term health insurance while traveling overseas. Pacific Prime\u2019s partners offer a variety of incredible, flexible options, and you can <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">compare quotes<\/span><\/a><span style=\"font-weight: 400;\"> on the page.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Allianz Care<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Allianz Care\u2019s Flexicare short-term international plan is perfect for individuals and families living abroad for short stretches of time. With over 72 million cases in 75 countries, Allianz Care\u2019s international expertise will be sure to have you covered. <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Find out more about Allianz Care<\/span><\/a><span style=\"font-weight: 400;\"> on our site.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">AXA<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">One of AXA\u2019s unique offerings is their second medical opinion included in every plan. They are also known for covering claims quickly, with over 80% of claims paid within 48 hours. You\u2019ll also find 24\/7 customer support in many different languages. <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">Search AXA\u2019s plans<\/span><\/a><span style=\"font-weight: 400;\"> and find one for you.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">April International<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">April International covers the bases for those seeking coverage internationally, whether they\u2019re moving to England long-term or visiting Hong Kong for a week. One of the top selling points for their coverage is that they have zero deductible. Find out <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/april-international-travel-insurance-the-best-travel-insurance.html\"><span style=\"font-weight: 400;\">more about April International<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Blue Cross Blue Shield<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Blue Cross Blue Shield offers top-tier plans for those living in the United States as well as for those overseas, so they\u2019re the perfect one-stop shop for any health insurance need. Choose between their flexible domestic plans, international <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\"><span style=\"font-weight: 400;\">short-term plans<\/span><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/geoblue-the-best-travel-insurance.html\"><span style=\"font-weight: 400;\">travel insurance plans<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Best Travel Insurance Plans for Short-Term Coverage<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-27969 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/traveler-checking-departure-board-at-oslo-central-station-terminal.webp\" alt=\"Image of Traveler Checking Departure Board At Oslo Central Station Terminal with text overlay of &quot;Best Travel Insurance Plans for Short-Term Coverage&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/traveler-checking-departure-board-at-oslo-central-station-terminal.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/traveler-checking-departure-board-at-oslo-central-station-terminal-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/traveler-checking-departure-board-at-oslo-central-station-terminal-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/traveler-checking-departure-board-at-oslo-central-station-terminal-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/traveler-checking-departure-board-at-oslo-central-station-terminal-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">April International, VUMI Travel VIP, IMG GlobeHopper, and MSH International are the best travel insurance companies to give you the temporary coverage you need abroad if you only plan to travel briefly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While traditional travel insurance includes some emergency medical benefits, its focus is on trip expense coverage, like cancellation or lost items. Travel medical insurance plans, however, ensure that you have your healthcare needs covered even while you\u2019re traveling to other countries.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Prime\u2019s partners provide only the best travel insurance. <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/travel-quote\/#vumi:~:text=BUY%20ONLINE%20NOW-,MSH,-MSH%20is%20a\"><span style=\"font-weight: 400;\">Compare quotes<\/span><\/a><span style=\"font-weight: 400;\"> right away, deep dive into this article on <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/the-best-travel-insurance-companies.html\"><span style=\"font-weight: 400;\">our top five travel insurance companies<\/span><\/a><span style=\"font-weight: 400;\">, or check out our overview of just a few of the top picks below.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">VUMI Travel VIP<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Whether you cover a single vacation or several trips through an annual plan, VUMI makes stellar medical care accessible across the globe. VUMI offers second medical opinions on annual trips, comprehensive care for minor injuries, repatriation, and even emergency dental coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to insure all aspects of your trip, you can add traditional travel insurance for coverage on nonmedical needs like luggage delay, theft, legal assistance, or cancellation. Check out <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/vumi-travel-vip-the-best-travel-insurance-plans.html\"><span style=\"font-weight: 400;\">more about Vumi Travel VIP<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">IMG GlobeHopper<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">With coverage options as brief as five days and up to two years, IMG\u2019s flexibility is uniquely suited to cater to all travel types, whether you plan to stay with family overseas extensively or you\u2019re making a thrilling getaway excursion in Europe.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One of IMG\u2019s unique offerings is their Adventure Sports Rider: most medical travel insurance policies do not cover high-risk recreational activities such as rock climbing or skydiving, but IMG\u2019s plan can cover you during even your most exciting outings. See <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/img-globehopper-the-best-travel-insurance-plans.html\"><span style=\"font-weight: 400;\">what IMG GlobeHopper has to offer<\/span><\/a><span style=\"font-weight: 400;\"> you.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">MSH International<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The French company MSH International features tailored plans with inclusive coverage in every country worldwide. They offer their top medical network, with health coverage up to USD $1,000,000, whether you need emergency assistance or a routine checkup.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">MSH International\u2019s Snowbirds plan, geared toward those who travel internationally several times throughout the year, covers up to USD $5,000,000 toward emergency illness or injury. If MSH International sounds like a good fit for you, <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/msh-international-the-best-travel-insurance.html\"><span style=\"font-weight: 400;\">head to this page<\/span><\/a><span style=\"font-weight: 400;\"> to find out more.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Key Facts About Short-Term Health Insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The top options for temporary coverage depend on your medical needs, your budget, and whether you plan to stay home or hit the tarmac before your regular health insurance kicks in. Here\u2019s what you need to know about the different types of short-term health coverage.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Short-Term Health Insurance vs. COBRA Explained<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Short-term health insurance offers temporary coverage for as short as a month and up to a year, depending on where you live. Because it\u2019s crafted for transitional care, it\u2019s meant to fill the gap in health insurance with immediate, flexible, affordable care until you find something more long-term.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For those living in the United States, it\u2019s important to note that short-term health insurance is not available in Hawaii, Washington, California, Colorado, New Mexico, Minnesota, D.C., New York, New Jersey, Connecticut, Rhode Island, Massachusetts, Vermont, New Hampshire, or Maine.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Similarly, you can only purchase short-term insurance for three months or less in Oregon, Delaware, and Maryland.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">COBRA plans extend the health insurance coverage you received from your previous employment, but without the contribution from your employer, you cover the full plan cost. This makes COBRA plans dependable but often expensive.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Like regular short-term health insurance, to qualify for COBRA, you must have a distinguishing life event such as voluntary or involuntary job loss, a qualifying move, retirement, reduced work hours, or loss of coverage as the dependent of an employee receiving coverage.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What Short-Term Health Insurance Covers and Excludes<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Most short-term health insurance plans cover preventative care, emergency care, urgent care, and medical tests, and some offer discounts on medications. However, since it\u2019s not comprehensive, most plans don\u2019t cover pre-existing conditions, mental health services, maternity care, or substance abuse.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Travel Insurance vs. International Health Insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">International health insurance is secondary emergency coverage that works like normal health insurance back home, just abroad, whether you\u2019re traveling for a vacation or work. Like normal short-term insurance, not all short-term international plans provide comprehensive care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Traditional travel insurance offers limited medical cover for emergencies and focuses mainly on trip issues like cancellations, delays, and lost baggage or personal items. If you\u2019re planning to travel abroad, you can explore the <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/best-travel-insurance\/\"><span style=\"font-weight: 400;\">best traditional travel insurance options on our page<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Travel medical insurance offers secondary international coverage that generally covers emergency medical, dental, and evacuation with options to bundle this health-focused insurance with traditional travel insurance, in case you want comprehensive coverage for any unforeseen mishap abroad.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-79' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner International - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Recommended International Health Insurance Plans\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to Pick the Right Short-Term Health Insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When choosing temporary health insurance, weigh these factors:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Availability<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Before you do any research on plans, verify your state\u2019s laws on short-term insurance: not all plans are available in all states, as listed above. So while you may have found a plan you love, you can only qualify if your state\u2019s regulations allow.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Deductible<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While it might make sense to choose the lowest deductible possible, if you have low-risk health concerns, opting for a higher deductible is often cheaper, as it lowers your premium. However, for those with high-risk concerns, a low deductible will be much more affordable.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Prescription Drug Coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many short-term health insurance plans do not cover prescription drugs. Especially if you are traveling abroad and need an international or travel medical insurance plan, read the fine print to ensure you can get the prescriptions you need at a price you can afford.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Cost<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In determining affordability, weigh out your premium, your deductible, your copays and coinsurance, and your out-of-pocket maximum, keeping in mind that some short-term health insurance does not have out-of-pocket maximums.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Premium:<\/b><span style=\"font-weight: 400;\"> the amount you pay each month to have health insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Deductible<\/b><span style=\"font-weight: 400;\">: the amount you pay before your insurance starts covering costs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Copay<\/b><span style=\"font-weight: 400;\">: the amount you pay for certain care visits, like doctor\u2019s visits\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coinsurance: <\/b><span style=\"font-weight: 400;\">the coverage percentage you pay once you have met your deductible\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Out-of-pocket maximum:<\/b><span style=\"font-weight: 400;\"> the total maximum amount you will pay for health care within a term<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">How to Qualify for Short-Term Health Insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Applying for short-term insurance is simple. If your state allows short-term health insurance\u2014or you\u2019re looking for something more international\u2014you can apply at any time. You will be asked to complete a short questionnaire that outlines your health history.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">From that questionnaire, insurers assess whether you qualify for their plan. You may be denied if you have health complications that short-term insurance won\u2019t cover, such as a history of substance abuse or pre-existing conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keep in mind that companies could approve you for a policy but still deny covering a claim if it is related to a pre-existing condition. If insurers review your claim and do find that a pre-existing condition is the cause of your health problems, they could even drop your coverage.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Should I get short-term insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you have had a qualifying life event, such as losing a job, consider short-term health insurance to fill the gap until you can purchase comprehensive health insurance. Short-term insurance is ideal for those traveling internationally extensively or those waiting for long-term coverage to begin.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What are the downsides of short-term insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">For those in the U.S., short-term health insurance does not cover the ten essential health benefits (EHBs) as outlined by the ACA. Short-term health insurance is also not available in all states and is restricted to no longer than three months in others.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How much does short-term insurance usually cost?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Minimal coverage short-term health insurance may cost as little as USD $100 a month, with more broad coverage costing over USD $200 a month. Your age, location, medical history, gender, and chosen insurance carrier all affect cost.\u00a0\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Why is short-term insurance often less expensive?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Short-term health insurance tends to be less expensive than long-term health insurance because it does not offer the same range and availability of coverage. For example, most short-term policies do not cover pre-existing conditions or care for injury during high-risk activities.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Why would someone choose short-term insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Traveling internationally as well as qualifying for life events like moving states, losing a job, or turning 26 make short-term insurance a good choice for individuals who want medical care coverage when regular long-term coverage isn\u2019t available. It also tends to be affordable and flexible.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can I cancel short-term insurance whenever I want?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can cancel short-term health insurance when you want. Either select an end date for coverage when you sign up for a plan or contact your insurer. If you call the customer support number on the back of your insurance card, you should be able to cancel your plan easily.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How quickly does short-term insurance start?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Short-term insurance can begin as soon as the day after you\u2019ve been approved, though it will depend on your chosen insurance company\u2019s timeline.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pacific Prime is here to make <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term-health-insurance-plans\/\"><span style=\"font-weight: 400;\">finding the right short-term insurance<\/span><\/a><span style=\"font-weight: 400;\"> easy. You can look through <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/\"><span style=\"font-weight: 400;\">our insurers and partners<\/span><\/a><span style=\"font-weight: 400;\"> and all they have to offer, compare plans, or <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&amp;utm_campaign=Blog\"><span style=\"font-weight: 400;\">get a quote<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to learn more about your options for short-term insurance, review our <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/temporary-health-insurance.html\"><span style=\"font-weight: 400;\">article on temporary health insurance<\/span><\/a><span style=\"font-weight: 400;\"> options and cheap short-term medical insurance plans.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Need short-term health insurance for the U.S., travel, or international stays? Top providers include Allianz Care, AXA, Blue Cross Blue Shield, Everest, Pivot Health, and UnitedHealthcare. These companies offer flexible short-term plans for both domestic and global needs. This guide highlights the best short-term health insurance options and key factors to compare when choosing a &#8230;<\/p>\n","protected":false},"author":81,"featured_media":27966,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"footnotes":""},"categories":[570,217],"tags":[],"class_list":["post-18608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Top 10 Short-Term Health Insurance Plans in 2026<\/title>\n<meta name=\"description\" content=\"Compare the 10 best short-term health insurance plans for US, travel, and international needs in 2026, including coverage, costs, and how to choose.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Top 10 Short-Term Health Insurance Plans in 2026\" \/>\n<meta property=\"og:description\" content=\"Compare the 10 best short-term health insurance plans for US, travel, and international needs in 2026, including coverage, costs, and how to choose.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime&#039;s Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pacificprime\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-21T02:27:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-26T13:11:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/toronto-cityscape-with-downtown-skyline-and-urban-buildings-in-ontario.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Veerabhatr Sriyananda\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Veerabhatr Sriyananda\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-short-term-health-insurance-plans.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-short-term-health-insurance-plans.html\"},\"author\":{\"name\":\"Veerabhatr Sriyananda\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/9d2ef24ede35f476ded4ec2db6a442fe\"},\"headline\":\"Top 10 Short-Term Health Insurance Plans in 2026\",\"datePublished\":\"2026-01-21T02:27:32+00:00\",\"dateModified\":\"2026-08-26T13:11:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-short-term-health-insurance-plans.html\"},\"wordCount\":2441,\"publisher\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-short-term-health-insurance-plans.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/toronto-cityscape-with-downtown-skyline-and-urban-buildings-in-ontario.webp\",\"articleSection\":[\"Health\",\"Insurance\"],\"inLanguage\":\"en\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-short-term-health-insurance-plans.html\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-short-term-health-insurance-plans.html\",\"name\":\"Top 10 Short-Term Health Insurance Plans in 2026\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-short-term-health-insurance-plans.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-short-term-health-insurance-plans.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/toronto-cityscape-with-downtown-skyline-and-urban-buildings-in-ontario.webp\",\"datePublished\":\"2026-01-21T02:27:32+00:00\",\"dateModified\":\"2026-08-26T13:11:26+00:00\",\"description\":\"Compare the 10 best short-term health insurance plans for US, travel, and international needs in 2026, including coverage, costs, and how to choose.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-short-term-health-insurance-plans.html#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-short-term-health-insurance-plans.html\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-short-term-health-insurance-plans.html#primaryimage\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/toronto-cityscape-with-downtown-skyline-and-urban-buildings-in-ontario.webp\",\"contentUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/toronto-cityscape-with-downtown-skyline-and-urban-buildings-in-ontario.webp\",\"width\":1280,\"height\":720,\"caption\":\"Image of Toronto Cityscape With Downtown Skyline And Urban Buildings In Ontario with text overlay of \\\"Top 10 Short-Term Health Insurance Plans in 2026\\\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-short-term-health-insurance-plans.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Top 10 Short-Term Health Insurance Plans in 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/\",\"name\":\"Pacific Prime's Blog\",\"description\":\"The Lighter Side Of Health Insurance\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\",\"name\":\"Pacific Prime\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/PP_logo-nonSlogan_blue-nonOutline.png\",\"contentUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/PP_logo-nonSlogan_blue-nonOutline.png\",\"width\":3314,\"height\":999,\"caption\":\"Pacific Prime\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/pacificprime\",\"https:\\\/\\\/x.com\\\/ThePacificPrime\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/pacific-prime\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/9d2ef24ede35f476ded4ec2db6a442fe\",\"name\":\"Veerabhatr Sriyananda\",\"description\":\"Veerabhatr is a content writer with over 6 years of experience with a particular penchant for storytelling and marketing, both in print and online. He now works with an experienced team of writers at Pacific Prime, aiming to shed light on the essence and benefits of insurance for companies and individuals by creating engaging, informative content across multiple platforms. After obtaining his Bachelor\u2019s Degree in Social Sciences, International Relations from Mahidol University International College, Veerabhatr has forged his career as a content writer in the travel, lifestyle, and real estate industries, writing in both English and Thai. He now continues to hone his skills as a writer at Pacific Prime, looking to engage and educate the audience by simplifying insurance. Writer by day, and a DJ by night, Veerabhatr is a staunch music lover, and listens to all spectrums of genres available. He also loves to drink beer (moderately), eat all types of food, go to the beach, and learn about different cultures across the globe. He is also a die-hard fan of football and motorsports.\",\"sameAs\":[\"https:\\\/\\\/th.linkedin.com\\\/in\\\/veerabhatr-sriyananda-28921016b\"],\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/author\\\/jug\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Top 10 Short-Term Health Insurance Plans in 2026","description":"Compare the 10 best short-term health insurance plans for US, travel, and international needs in 2026, including coverage, costs, and how to choose.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html","og_locale":"en_US","og_type":"article","og_title":"Top 10 Short-Term Health Insurance Plans in 2026","og_description":"Compare the 10 best short-term health insurance plans for US, travel, and international needs in 2026, including coverage, costs, and how to choose.","og_url":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html","og_site_name":"Pacific Prime&#039;s Blog","article_publisher":"https:\/\/www.facebook.com\/pacificprime","article_published_time":"2026-01-21T02:27:32+00:00","article_modified_time":"2026-08-26T13:11:26+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/toronto-cityscape-with-downtown-skyline-and-urban-buildings-in-ontario.webp","type":"image\/webp"}],"author":"Veerabhatr Sriyananda","twitter_misc":{"Written by":"Veerabhatr Sriyananda","Est. reading time":"12 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html#article","isPartOf":{"@id":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html"},"author":{"name":"Veerabhatr Sriyananda","@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/person\/9d2ef24ede35f476ded4ec2db6a442fe"},"headline":"Top 10 Short-Term Health Insurance Plans in 2026","datePublished":"2026-01-21T02:27:32+00:00","dateModified":"2026-08-26T13:11:26+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html"},"wordCount":2441,"publisher":{"@id":"https:\/\/www.pacificprime.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html#primaryimage"},"thumbnailUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/toronto-cityscape-with-downtown-skyline-and-urban-buildings-in-ontario.webp","articleSection":["Health","Insurance"],"inLanguage":"en"},{"@type":"WebPage","@id":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html","url":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html","name":"Top 10 Short-Term Health Insurance Plans in 2026","isPartOf":{"@id":"https:\/\/www.pacificprime.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html#primaryimage"},"image":{"@id":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html#primaryimage"},"thumbnailUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/toronto-cityscape-with-downtown-skyline-and-urban-buildings-in-ontario.webp","datePublished":"2026-01-21T02:27:32+00:00","dateModified":"2026-08-26T13:11:26+00:00","description":"Compare the 10 best short-term health insurance plans for US, travel, and international needs in 2026, including coverage, costs, and how to choose.","breadcrumb":{"@id":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html"]}]},{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html#primaryimage","url":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/toronto-cityscape-with-downtown-skyline-and-urban-buildings-in-ontario.webp","contentUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/toronto-cityscape-with-downtown-skyline-and-urban-buildings-in-ontario.webp","width":1280,"height":720,"caption":"Image of Toronto Cityscape With Downtown Skyline And Urban Buildings In Ontario with text overlay of \"Top 10 Short-Term Health Insurance Plans in 2026\""},{"@type":"BreadcrumbList","@id":"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.pacificprime.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Top 10 Short-Term Health Insurance Plans in 2026"}]},{"@type":"WebSite","@id":"https:\/\/www.pacificprime.com\/blog\/#website","url":"https:\/\/www.pacificprime.com\/blog\/","name":"Pacific Prime's Blog","description":"The Lighter Side Of Health Insurance","publisher":{"@id":"https:\/\/www.pacificprime.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pacificprime.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en"},{"@type":"Organization","@id":"https:\/\/www.pacificprime.com\/blog\/#organization","name":"Pacific Prime","url":"https:\/\/www.pacificprime.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/PP_logo-nonSlogan_blue-nonOutline.png","contentUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/PP_logo-nonSlogan_blue-nonOutline.png","width":3314,"height":999,"caption":"Pacific Prime"},"image":{"@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/pacificprime","https:\/\/x.com\/ThePacificPrime","https:\/\/www.linkedin.com\/company\/pacific-prime\/"]},{"@type":"Person","@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/person\/9d2ef24ede35f476ded4ec2db6a442fe","name":"Veerabhatr Sriyananda","description":"Veerabhatr is a content writer with over 6 years of experience with a particular penchant for storytelling and marketing, both in print and online. He now works with an experienced team of writers at Pacific Prime, aiming to shed light on the essence and benefits of insurance for companies and individuals by creating engaging, informative content across multiple platforms. After obtaining his Bachelor\u2019s Degree in Social Sciences, International Relations from Mahidol University International College, Veerabhatr has forged his career as a content writer in the travel, lifestyle, and real estate industries, writing in both English and Thai. He now continues to hone his skills as a writer at Pacific Prime, looking to engage and educate the audience by simplifying insurance. Writer by day, and a DJ by night, Veerabhatr is a staunch music lover, and listens to all spectrums of genres available. He also loves to drink beer (moderately), eat all types of food, go to the beach, and learn about different cultures across the globe. He is also a die-hard fan of football and motorsports.","sameAs":["https:\/\/th.linkedin.com\/in\/veerabhatr-sriyananda-28921016b"],"url":"https:\/\/www.pacificprime.com\/blog\/author\/jug"}]}},"_links":{"self":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts\/18608","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/users\/81"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/comments?post=18608"}],"version-history":[{"count":13,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts\/18608\/revisions"}],"predecessor-version":[{"id":30942,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts\/18608\/revisions\/30942"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/media\/27966"}],"wp:attachment":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/media?parent=18608"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/categories?post=18608"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/tags?post=18608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}