Terms of Use

These terms cover your use of Short Term Health Insurance Cost, including the calculator, the guides, and the contact form. Using the site means you accept them. Last updated 2026-06-17.

What this site is for

The calculator on the homepage produces a planning range for short term health insurance premiums based on the age, plan level, deductible, and ZIP code you enter. It is a budgeting tool, not a quote, and it is not medical, legal, or financial advice. The guides describe how short term plans are typically priced and what they typically exclude; they describe general patterns, not the terms of any specific policy you might buy.

No guarantee of accuracy

We source premium ranges from published rate filings and pricing surveys and update them on the cadence described on the editorial standards page, but a range built from public data can still miss what a specific carrier charges you. Confirm any number here against a written quote before you buy a plan.

Quote links and referral fees

Links labeled as a quote request send you to a licensed carrier's own site. We may receive a referral fee if you request a quote through one of those links; the fee does not change the price you are quoted or which plan a carrier offers you. We do not sell insurance directly and do not process payments for any policy.

Acceptable use

Do not scrape, republish, or resell the content or the CSV data on this site without permission, and do not use the site in a way that disrupts it for other visitors. The calculator's code and the guide text belong to this site unless otherwise credited.

Liability

This site is provided as is. To the extent allowed by law, we are not liable for decisions made based on the estimates or guides here, including a decision to buy or decline a specific insurance plan. Always verify pricing and coverage terms directly with a carrier or a licensed broker before purchasing.

Changes to these terms

We may revise these terms as the site changes; the date at the top reflects the latest update. Continued use after a change means you accept the revised terms. Questions go through the contact page.