I typed in my doctor's name expecting to start over with someone new. She was already in the network on two of the plans I was shown.
July 2026 Update
Find the right health insurance coverage with HealthParrot from RateQuote.
Compare the five best-rates carriers. Each carrier below has been evaluated against coverage range, health acceptance, and speed of approval. Call to speak with a licensed agent who will match you with the right plan.
Compare the five best-rates carriers.
Simple, transparent steps to coverage
America’s Largest Provider Network for Short-Term Coverage
Underwritten by Golden Rule Insurance Company and backed by UnitedHealth Group, America’s largest health insurer, UnitedHealthOne offers short-term medical plans with no open enrollment required. Coverage can start as early as the next day after applying, through one of the broadest provider networks in the country.
- 1.8M+ providers and 7,200+ hospitals in network. Access to one of the nation's largest in-network provider systems, making it easy to find covered care whether at home or traveling.
- Up to 36 Months of Continuous Coverage.TriTerm Medical plans provide up to 36 months of coverage with a single application. Pre-existing conditions may be covered starting in the second policy term.
- Next-Day Coverage Available. No enrollment period required. Apply any day of the year and coverage can begin as soon as the following day.
From
$ 100 – $ 300/mo
National Average Monthly Range*
Supplemental Coverage Built to Fill the Gaps Since 1850
Founded in 1850, ManhattanLife is one of America’s oldest and most trusted supplemental health insurers. Their fixed benefit and hospital indemnity plans pay cash directly to you regardless of what other coverage you already have to help offset out-of-pocket costs when illness or hospitalization strikes
- Fixed cash benefits paid directly to you. Benefits are paid regardless of any other insurance coverage you carry. No coordination of benefits delays the money goes directly to you.
- Hospital Indemnity Up to $6,350. Lump-sum coverage for first-day hospital admissions helps cover the costs that major medical insurance often leaves behind.
- Next-day coverage, no enrollment period required. Works alongside any major medical or Medicare plan. If your doctor accepts Medicare, you can see them no referrals needed for specialists
From
$ 25 – $ 150/mo
National Average Monthly Range*
Short-Term Coverage Built for Real Life Gaps
Allstate Health Solutions offers short-term medical plans designed to protect your wallet and your peace of mind during gaps in comprehensive coverage — whether you’re between jobs, aging off a family plan, or waiting for open enrollment. Plans are backed by the Aetna OpenChoice PPO and Cigna PPO networks.
- Guaranteed issue options available, Coverage is available even if you have existing health conditions — unusual for short-term carriers. Most insurers will deny applicants with prior health issues.
- Unlimited Urgent Care at a Flat $50 Copay. Unlimited urgent care visits at a flat $50 copay per visit with no deductible required before the benefit kicks in.
- Dual PPO Network Access. Plans are powered by both the Aetna OpenChoice PPO and Cigna PPO networks depending on your state, giving you broad provider access nationwide
From
$ 70 – $ 400/mo
National Average Monthly Range*
Seven Plans. Flexible Coverage for Every Life Stage.
Pivot Health offers seven different short-term plan options one of the most diverse lineups on the market with plans covering up to $1 million in total benefits and deductibles ranging from $1,000 to $20,000. Plans are available online with instant quotes and same-day coverage options
- 0% Coinsurance Option on Select Plans. Pay nothing beyond your deductible on Pivot's Epic plans. One of the only short-term carriers to offer a true 0% coinsurance option.
- Up to $1 Million in Total Coverage. Robust coverage limits with flexible deductible and coinsurance options across seven plan tiers to match any budget and risk tolerance
- Cigna PPO Network Access. Quantum plans include access to the Cigna PPO network. Core and Classic plans maintain broad national PPO participation for wide provider choice
From
$ 100 – $ 300/mo
National Average Monthly Range*
Comprehensive ACA Coverage Backed by 200+ Years of Trust
Cigna sells ACA-compliant HMO and EPO plans across Bronze, Silver and Gold tiers, with member satisfaction rated 93.59 out of 100, among the highest in the industry. Every plan includes built-in virtual care, chronic condition support and wellness rewards.
- 24/7 Virtual Urgent Care via MDLIVE. Unlimited virtual urgent care is included with all individual plans through MDLIVE at no additional cost, available any time of day or night.
- Insulin Capped at $25 per 30-Day Supply, The enhanced diabetes care program caps formulary insulin costs at $25 per 30-day supply regardless of whether the deductible has been met.
- Healthy Rewards — Up to 25% Off Wellness, Members receive discounts of up to 25% on wellness products and services through the Healthy Rewards program, plus an additional 5% discount for enrolling online
From
$ 275 – $ 900+/mo
National Average Monthly Range*
*National average monthly ranges are estimates and vary by age, gender, location, pre-existing conditions and more. Call 1-888-323-6739 for exact pricing.
Trusted by people finding the right coverage
I left a job in March and needed something for four months. The agent found a short term plan the same afternoon and explained exactly what it left out.
The glossary is the whole thing for me. I finally understood what coinsurance meant, and it took one sentence rather than a booklet.
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Carrier statements, benefits and starting prices on this page are drafts written for layout and must be replaced with figures the client confirms with each carrier. Testimonials are samples. Carrier logos are rough placeholders and need official brand assets. HealthParrot is not an insurance provider; it connects consumers with licensed insurance agents, and each carrier is solely responsible for its own plans.
Plan Information & Pricing Disclaimer: Reasonable efforts are made to maintain accurate information. Plan and pricing information is provided by CMS (Center for Medicare & Medicaid). All plan and pricing information is presented without guarantee. When you select to “Call to Customize & Enroll” you will be connected with an agent to review and further customize your plan selection(s). To be able to enroll, you must speak with a licensed agent. Plan and pricing information is subject to change based on the data you provide. The plans(s) or pricing displayed here is not binding and could be different when you speak to an agent. Not all QHPs (Qualified Health Plans) may be displayed, or available in your area. Catastrophic plans, Dental and Vision plans may not be offered or displayed. Please visit Healthcare.gov for more information and full plan eligibility results.
HealthParrot.com is a website domain of Forge47, LLC., a privately-owned non-government website, not associated with CMS or the federal government. This website serves as an invitation for you, the customer, to inquire about further information regarding health insurance available through the federal or state exchanges. This website may not display all data on Qualified Health Plans available to you through your state. To see all available data on Qualified Health Plan (QHP) options, please visit Healthcare.gov. Trademarks are owned by their respective owners. We do not suggest, nor state that we have relationships with any of the trademark owners. HealthParrot.com receives compensation from our partners. We, HealthParrot.com, will never solicit you for payment for our services. HealthParrot.com has been verified and approved as a Health Insurance Provider, qualified to offer and market ACA / Qualified Insurance plans. David Jackson Ferrell is a licensed Health Insurance agent for HealthParrot, NPN#20046181. Click the link below for more information related to our Google / Verisk G2 Health Insurance Certification.