Private PPO
Flexible Short-Term Coverage
Bridge gaps in coverage for a few months or up to nearly 3 years with select plans.
Large National Networks
Access UnitedHealthcare’s broad provider network for doctors, specialists, and hospitals.
Budget-Friendly Options
Choose deductibles, copays, and coinsurance levels to help match your budget.
What Are Short-Term & TriTerm Medical Plans?
Short-Term Medical and TriTerm Medical plans are limited-duration health insurance options from UnitedHealthcare that can help with unexpected medical bills during gaps in traditional coverage. They are designed for people between jobs, waiting for group coverage to start, early retirees, or individuals who missed Open Enrollment and don’t qualify for a Special Enrollment Period.
These plans are not ACA-qualified major medical coverage, do not cover all essential health benefits, and may not cover pre-existing conditions. They can be a lower-cost alternative for those who understand and are comfortable with these limitations.
Why Consider Short-Term or TriTerm Medical?
- ✔ You need coverage quickly between jobs or before new coverage starts.
- ✔ You are generally healthy and want lower premiums than many ACA plans without subsidies.
- ✔ You want access to a large UnitedHealthcare provider network.
- ✔ You want options for either temporary (short-term) or longer (TriTerm) coverage.
- ✔ You prefer to apply online and manage your coverage with the help of a licensed insurance agent.
Important Things to Know
- • These plans are not ACA-qualified major medical coverage.
- • They may not cover pre-existing conditions or all types of services.
- • Benefits, availability, and maximum coverage periods vary by state.
- • Read all plan details and disclosures carefully before enrolling.
Get a Quote & Apply Online
Quote Short-Term Medical - UnitedHealthcare/Golden Rule Insurance CompanyQuote TriTerm Medical - UnitedHealthcare/Golden Rule Insurance Company
Quotes and applications are processed securely through UnitedHealthcare. Plan availability and benefits vary by state.
Need help deciding?
Have questions about how these plans compare to ACA Marketplace or employer coverage? Fill out the form and we’ll review your options with you.
