No Long Term Commitments,
Just Instant Coverage
Affordable Health Insurance Plans for Students
Flex Term Health offers flexible, affordable insurance for students, ensuring coverage for unexpected medical expenses while you focus on your education
Plans start at $85 per month*
Online Enrollment Available
Why Do Students Need Short-Term Health Insurance?
Students often experience gaps in health insurance coverage, such as when they age out of a parent’s plan, transition between schools, or wait for a new policy to begin. Short-term health insurance, like the FlexTerm plan, provides an affordable solution during these periods.
These plans are designed to offer basic medical coverage for emergencies and unexpected illnesses, ensuring students have access to essential healthcare. While they may not include the extensive benefits of ACA-compliant plans, short-term health insurance offers flexibility with coverage that can last up to 12 months and the ability to cancel without penalties. This makes it an ideal choice for students seeking temporary, budget-friendly protection.
Frequently Asked Questions
- Who is eligible for FlexTerm Health insurance?
Any student or young adult, especially those turning 26 and losing their parent’s coverage or recently graduated. - How quickly can my coverage start?
Your coverage can begin as soon as the next day after enrollment. - Can I keep my current doctor?
Yes, our plans include both in-network and out-of-network providers. - What happens if I need coverage for more than a year?
You can reapply for another term or explore our other long-term health insurance options.
Is Short-Term Medical Right for You?
Know the limitations to avoid surprises:
- No coverage for pre-existing conditions
- No dental or eye care
- Prescriptions not covered, except during hospital stays
- Services subject to UCR review
Flex Term Health Insurance Plan Options2
- Deductible options ($1,000, $2,500, $5,000, $7,500, or $10,000)
- Co-pay : $50
- Co-insurance options (50/50, 70/30, 80/20, or 100/0)
- Coverage period maximum ($250,000, $750,000, $1,000,000, or $1,500,000)
- Length of coverage options
- Eligibility 18-64 years old (child only coverage for ages 2-25)
- Monthly or pre-pay payment options
- Free-look period
The Everest Insurance® companies offers Flex Term Health Insurance Plan temporary or short-term private health insurance to cover unforeseen accidents and illnesses.
Connect With A Flex Term Specialist
📞 (855) 826-0030
About Flex Term
Flex Term Health Insurance Plan is the brand name for products underwritten by: Everest Reinsurance Company and is rated A+ Superior by the A.M. Best Company.
Disclaimer:
The Individual Short Term Health Insurance product offered by Everest Reinsurance Company is marketed under the name “Flex Term” by Smart and Simple Insurance Development (SASid). All billing and claims for Flex Term are managed by SASid’s sister company, insuranceTPA. Quotes for Flex Term obtained through this website or any other platform are identical. This website, FlexTermHealth.com, serves as the official marketing channel for this product.
Everest STM is a short-term medical insurance plan that is not intended to and does not qualify as the minimum essential coverage required by the Affordable Care Act (ACA). Unless the insured and any dependents purchase a policy that provides minimum essential coverage in accordance with the ACA, insureds and dependents may be subject to a federal tax penalty. Also, the termination or loss of this policy does not entitle insureds or dependents to a special enrollment period to purchase a health benefit policy that qualifies as minimum essential coverage outside of an open enrollment period.
1 Flex Term Health Insurance Plan is the brand name for products underwritten by Everest Reinsurance Company
2 Availability, coverage terms and plan features and options may vary by state
* Average price based on 32 year old male