37 Years of Experience
Short Term Medical Insurance
A budget-friendly option to reduce your monthly costs
Short-term medical insurance provides a limited duration medical insurance solution until a qualified health plan is chosen, helping reduce your financial risk. It allows you to pivot to help meet your life's needs. There are no doctor or hospital network restrictions, so you have the freedom to choose where to receive care.
Policy duration and benefits vary by state. Not all plans available in all areas. This is a solicitation of insurance.
Multi-Carrier Package
The only 12-month short-term medical solution
Individual short-term medical plans are limited to about four months at a time. Our Multi-Carrier Package is the only way to secure a full year of coverage, with three consecutive 4-month plans back to back, enrolled in a single application.
When one 4-month term ends, your coverage continues seamlessly into the next carrier’s plan. You pay one average monthly premium today and complete one checkout, and Pivot handles the transitions between all three terms.
Included on every segment
- Free telemedicine on every segment
- Doctor office visit copay
- Prescription drug copay
- No provider network, choose any doctor or hospital
Local experts. Family values. Decades of trust.
Your one-stop shop for short-term medical insurance
Watch a quick overview, then enter your ZIP to see recommended plans available in your area, including our 12-month multi-carrier package.
Important plan features
Our short-term medical plans are built for flexibility with robust benefits, including options with up to $250,000 maximum benefit and a deductible as low as $2,500.
- Up to $250,000 in benefits per coverage period
- Deductible as low as $2,500
- Annual OB-GYN exam, mammogram, ovarian cancer monitoring, colorectal cancer, and prostate screening coverage
- Childhood immunizations and routine service coverage
- Inpatient and outpatient mental health and substance abuse benefits
- Organ transplant benefits
- HIV coverage
- Joint, neck, and spine injury coverage
- Freedom to choose any doctor or hospital, no networks
- Unlimited doctor office visits
- Unlimited telemedicine benefits
- Annual wellness visit paid up to $200
Personalized plans for Texans looking for flexible coverage
Between jobs or waiting on employer coverage
Bridge the gap with flexible short-term medical plans.
Find options →Missed open enrollment
Explore temporary coverage while you evaluate longer-term options.
Find options →College students & young adults
Affordable coverage options with customizable deductibles.
Find options →Self-employed & gig workers
View recommended plans on your schedule, no phone tag required.
Find options →COBRA alternatives
Review STM packages that may cost less than continuation coverage.
Find options →Dental & vision only
Add standalone dental and vision plans without selecting medical coverage.
Find options →Don't risk going without health insurance
Enter your ZIP code to see short-term medical plans available in your area.
Questions? Call 2106967900
What members are saying
Easy and quick
“The online quote was straightforward and I had plan options in minutes.”
Clear pricing
“I could see premiums and deductibles upfront before making a decision.”
Helpful bridge coverage
“Short-term medical gave us peace of mind while switching employers.”
Great add-on options
“Adding dental and vision to our package was simple during checkout.”
Top FAQs
Short-term medical insurance provides limited-duration coverage until you select a qualified health plan, helping reduce financial risk during life transitions such as job changes, waiting periods, or missed open enrollment.
Our STM plans offer freedom to choose any doctor or hospital. There are no provider network restrictions on eligible plans.
Individual short-term medical plans are limited to about four months at a time. Our Multi-Carrier Package combines three consecutive 4-month plans back to back so you can secure a full year of coverage in one application.
Yes. You can add dental and vision plans alongside a medical package, or purchase dental and vision coverage on its own.
Short-term medical plans are not ACA-qualified health plans and do not cover pre-existing conditions in the same manner as major medical insurance. Plan availability, benefits, and rates vary by state. This is a solicitation of insurance.