Offering Individual Dental and Short-term Medical.

Shear Benefits has access to a complete spectrum of Dental and Short-term Medical plans offering comprehensive, competitively-priced solutions to meet your health insurance needs.

Get a Quote on Short-term Medical, Dental & Vision, or Individual Health Insurance.

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Short-term Medical

United Health



Individual Health

On Exchange

Off Exchange

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Marketplace Subsidy

Life Insurance

Critical Illness, Cancer & Life

Wellness Benefit

Fixed Benefit Indemnity

Short-term Health Insurance Frequently Asked Questions

How do I know if Short-term health insurance is a good choice for me?

Short-term medical insurance, also known as Temporary health insurance or Term health insurance, provides a temporary solution to help fill gaps in coverage. Short-term coverage is good for people:

  • Between jobs
  • Waiting for other coverage to begin
  • Waiting to be eligible for Medicare coverage
  • Without health insurance, outside of Open Enrollment

Is Short-term health insurance available for families?

Yes, spouses and dependents can be covered under a Short-term insurance plan. However, because Short-term is medically underwritten, all family members will need to meet medical requirements of the plan.

Does Short-term health insurance provide coverage for preexisting conditions?

No. In most cases Short-term insurance plans do not cover preexisting conditions, which depending on your state’s definition would mean something you received diagnosis or treatment for within the last 2 to 5 years.

How quickly can I get coverage?

The earliest a Short-term health insurance plan can take effect is the day after your application is received.

Do Short-term health insurance plans have high deductibles?

Short-term Medical plans offer deductible options starting at $1,000 to meet your needs.

What if I don’t need my temporary insurance coverage for as long as I had planned?

Short-term health insurance plans can be cancelled at any time without penalty. Any premium paid beyond the new termination date will be returned to you.

Can I renew this type of health insurance coverage?

No. Short-term coverage is limited to the duration selected; therefore, it is non-renewable. Durations may vary by state.