Short term health insurance update

Talon Abernathy
Written by Talon Abernathy
Updated

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Before

Short-term health insurance in Texas

You can buy short-term health insurance in Texas. Policies are available for up to three months, and you can renew your plan for up to four months in a single year.

Pros of short-term health insurance in Texas

  • Coverage begins right away. Short-term plans can be a good way to get benefits for a few weeks or months while you're waiting for another plan to begin.
  • Helps bridge gaps in coverage. If you only need coverage for a few weeks or months between jobs, short-term plans can be a cheap and easy way to make sure an illness or injury doesn't set you back too far financially.

Cons of short-term health insurance in Texas

  • Coverage isn't as good as ACA plans. Short-term plans usually don't cover prescription drugs, maternity care or other situations that ACA plans have coverage for.
  • Your health history can affect your rates. Unlike ACA plans, short-term plans can use your health history to increase your rates or deny you coverage.

After

Short-term health insurance in Texas

In January 2025, the Trump administration rolled back a new rule that would limit the length of a short-term health policy to three months. Although there isn't a publicly available timeline for when this change will happen, short-term health insurance could be available in [STATE] for up to 364 days sometime in the coming year.

You can buy short-term health insurance in Texas. Policies typically offer less coverage than marketplace plans, but you can buy them at any time during the year.

Pros of short-term health insurance in Texas

  • Coverage begins right away. Short-term plans can be a good way to get benefits for a few weeks or months while you're waiting for another plan to begin.
  • Helps bridge gaps in coverage. If you only need coverage for a few weeks or months between jobs, short-term plans can be a cheap and easy way to make sure an illness or injury doesn't set you back too far financially.

Cons of short-term health insurance in Texas

  • Coverage isn't as good as ACA plans. Short-term plans usually don't cover prescription drugs, maternity care or other situations that ACA plans have coverage for.
  • Your health history can affect your rates. Unlike ACA plans, short-term plans can use your health history to increase your rates or deny you coverage.

Editorial note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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