The Gap Everyone Forgets to Plan For

Most people don’t lose health coverage on purpose. They leave a job and the new one has a 60-day waiting period. They retire at 62 and Medicare doesn’t start until 65. They turn 26 and roll off a parent’s plan with no employer plan lined up yet. They miss the few weeks each year when open enrollment is even open.

In every one of those situations, the choice usually feels binary: go without coverage and hope nothing happens, or buy a full marketplace plan built for year-round use to cover a gap that might only last a few weeks or months. Neither option fits the problem. There’s a third option that’s sized for exactly this kind of in-between.

Who This Bridge Is Built For

Short term medical isn’t a replacement for permanent insurance — it’s a tool for a specific kind of in-between moment.

Rounding Out the Bridge

Because short term medical is purpose-built for unexpected medical events, routine care like dental, vision, and hearing isn’t part of the package — it’s sold separately, by design. That’s actually a feature, not a gap: it means you can pair a lean short term medical plan with only the standalone coverage you actually use, instead of paying for a bundle of benefits you don’t need for a few months.