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Huhn Insurance Agency

Temporary Coverage for Gaps in Employer or Marketplace Plans

Bridge Gaps in Coverage with Flexible Health Insurance

 Short-term health insurance plans are designed to cover unexpected medical needs when you’re between jobs, waiting for other coverage to begin, or need something temporary. These plans are not ACA-compliant but can offer basic protection for doctor visits, ER care, and prescriptions. We help clients understand when short-term coverage makes sense—and when it doesn’t.

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What You Need to Know About Short-Term Coverage

New to Temporary Plans?

Short-term plans are limited-duration health insurance policies that typically last from 1 to 12 months. They’re not designed for ongoing care but can provide peace of mind in emergencies or transitions. These plans often have lower monthly premiums, but they don’t include all the protections found in ACA plans — such as coverage for pre-existing conditions or guaranteed renewability.

A doctor and a patient are sitting at a table and the doctor is writing on a clipboard.

What We Help With

  • Reviewing short-term plans from multiple carriers in Wyoming and beyond
  • Explaining what’s covered—and what’s not
  • Estimating costs for monthly premiums vs. potential out-of-pocket risk
  • Helping you apply for short-term coverage quickly
  • Coordinating your short-term plan with future or prior coverage
  • Determining if an ACA plan may be a better fit

Who This Is For

  • People in between jobs or waiting for benefits to start
  • Recent graduates or young adults aging off a parent’s plan
  • Seasonal workers or contractors needing temporary protection
  • Individuals who missed Open Enrollment and don’t qualify for a Special Enrollment Period
  • Residents who are temporarily uninsured and want coverage for “just in case”

Notes & Tips

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These plans typically don’t cover maternity, mental health, or preventive care, but there are some plans that cover preventative care.

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Short-term plans don’t count as minimum essential coverage under the ACA — we’ll explain the tradeoffs clearly.

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Some clinics and providers accept short-term coverage — we’ll help you check.

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We can help you apply remotely or meet in person.

Frequently Asked Questions

  • Can I renew my short-term plan after it ends?

    They do not renew, we will help you re-apply. These plans have time limits and are not renewable in the same way ACA plans are. We’ll help you plan ahead.

  • Do short-term plans cover pre-existing conditions?

    Usually not. These plans can deny coverage for anything they consider pre-existing.

  • Is a short-term plan cheaper than an ACA plan?

    Monthly premiums may be lower, but these plans carry higher financial risk. We’ll help you compare both types.

  • When is a short-term plan a good idea?

    If you’re healthy, between coverage, and just want protection in case of an emergency—it may be worth considering.

  • Can I switch to an ACA plan later?

    Yes, but you’ll typically need to wait for Open Enrollment or qualify for a Special Enrollment Period.

Get Help Choosing a Short-Term Health Plan

We’ll help you compare short-term options and decide if they fit your needs—or if another type of coverage makes more sense.