Short-Term Health Insurance Calculator
Calculate the total cost of short-term health insurance coverage for gaps between employer or marketplace plans.
Medical Disclaimer
This calculator is for informational and educational purposes only. It is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider before making decisions about your health. Never disregard professional medical advice or delay seeking it because of results from this tool.
Inputs
Results
Total Cost (Premium + OOP)
$2,450.00
≈ 19 pairs of sneakers
How to Use This Calculator
- Enter the desired coverage duration in months (typically 1–12).
- Select your age and general health status.
- Enter the deductible and monthly premium for the short-term plan you are considering.
- Review estimated out-of-pocket costs compared to a marketplace plan.
- Note that short-term plans do not cover pre-existing conditions and lack ACA protections.
How the result changes with Expected Medical Costs
| Expected Medical Costs | Total Cost (Premium + OOP) |
|---|---|
| $10,000.00 | $6,450.00 |
| $35,000.00 | $11,450.00 |
| $65,000.00 | $15,450.00 |
| $90,000.00 | $15,450.00 |
What each input means
- Monthly Premium
- Monthly premium for the short-term health plan.
- Coverage Duration
- Months of coverage needed. Short-term plans typically last 3-12 months.
- Plan Deductible
- Short-term plans often have high deductibles ($2,500-$10,000+).
- Your Coinsurance
- Your cost-sharing percentage after meeting the deductible.
- Out-of-Pocket Maximum
- Maximum you pay out of pocket. May be higher than ACA plans.
- Expected Medical Costs
- Anticipated medical expenses during the coverage period.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersMonthly Premium = 150, Coverage Duration = 3, Plan Deductible = 5000, Your Coinsurance = 20 = 6 input(s) provided
- Calculate Total CostTotal Cost2450 = $2,450
- Calculate Total PremiumsTotal Premiums450 = $450
- Calculate Expected Out-of-Pocket2000 = $2,000
Related Calculators
The questions that sit next to this one — chosen by subject, including calculators filed under a different category.
ACA Subsidy Calculator
Estimate your Affordable Care Act premium tax credit based on household income and family size. Uses 2026 Federal Poverty Level guidelines and enhanced subsidy rates.
Health InsuranceCOBRA Cost Calculator
Calculate your monthly COBRA premium and compare it to marketplace alternatives after losing employer coverage.
DevotionalShort-Term Mission Cost Calculator
Estimate per-person and total costs for a short-term mission trip including airfare, lodging, meals, insurance, supplies, and contingency.
Real Estate InvestingShort-Term Rental Revenue Calculator
Project Airbnb/VRBO revenue from nightly rate, occupancy, cleaning fees, platform fees, and fixed monthly expenses.
Health InsuranceDental Plan ROI Calculator
Calculate whether a dental insurance plan is worth the premium based on your expected procedures and coverage levels.
More in Insurance.