Best Short-Term Health Insurance in Arizona (2024)

Short-term medical insurance can fill the coverage gap while you wait for open enrollment. These plans generally last for less than a year but can be extended or reduced to a few weeks or months. Essentially, these plans help people remain insured if they change jobs or miss the open enrollment period.

However, they are not Affordable Care Act-compliant and allow providers to reject applicants with health issues or pre-existing diseases. Additionally, they may not always offer basic health services.

National General Accident & Health and Everest Reinsurance Company are the best providers of short-term health insurance in Arizona, with ratings of 95 and 85, respectively. That said, the best option for you depends on your needs.

Short-term health insurance isn't a replacement for marketplace plans. If you check into subsidies, you might be able to find a marketplace plan with comparable pricing and greater coverage than a short-term plan.

With an overall MoneyGeek score of 95 out of 100, National General Accident & Health is Arizona's best temporary health insurance provider.

Second and third place went to the following companies:

• Everest Reinsurance Company: 85 out of 100
• UnitedHealthcare: 68 out of 100

These companies were rated the best because of their cost-sharing alternatives and average maximum out-of-pocket (MOOP) costs. The top company’s average MOOP is $7,500, while the runners-up charge $7,958 and $11,733, respectively.

National General Accident & Health offers the cheapest short-term health insurance in Arizona, with an average MOOP of $7,500. Typically, cheaper premiums are associated with higher out-of-pocket expenses. Ensure that the amount of coverage provided by the plan meets your needs before making a selection based on pricing.

Some people choose cheaper plans while temporarily unemployed. However, cheaper plans are not ideal for those who require ongoing medical care due to high MOOPs.

MoneyGeek evaluated average costs and cost-sharing options for temporary health insurance in Arizona and found the following to be the best:

• Companion Life Insurance Company: $141 per month
• UnitedHealthcare: $157 per month
• Independence American Insurance Company: $159 per month

From these companies, coverage for one month averages between $140 and $160. Despite having fewer plan options, Companion Life Insurance Company offers the lowest average premium, landing it first on our list.

The purpose of short-term health insurance, which normally does not last for more than a few months at a time, is to fill the coverage gap until long-term coverage. It is more of a backup plan than it is a strategy for preventing potential problems from occurring.

You can have continuous coverage under a plan for up to 364 days in Arizona before having to renew it. You will be protected for a period of time longer than one year if you renew. You are allowed to renew up to three times, and you can also buy additional insurance.

Arizona's short-term health insurance contains a few nuances that may be challenging to understand. To help you find coverage, MoneyGeek answered frequently asked questions.