The Cheapest Short-Term Health Insurance Carriers in 2026
The value tier
Pricing shifts by state and age, but a consistent value pattern holds. UnitedHealthcare-branded STM (via Golden Rule) and Independence American tend to anchor the low end for under-40 buyers. National General and Pivot Health sit mid-market with richer rider menus. Everest and Trestle compete aggressively where state filings allow long terms.
What ‘cheapest’ actually buys you
The entry-tier plans that hit $85-100/month typically carry $7,500-10,000 deductibles, per-cause deductible language, and minimal riders. That is not a scam — it is a deliberate design for catastrophic-only protection. The mistake is buying the cheapest plan while expecting mid-tier benefits. Match the tier to your actual reserve: if a $10,000 surprise would break you, buy up.
| Carrier family | From (age 30) | Entry deductible | Known for |
|---|---|---|---|
| UnitedHealthcare / Golden Rule | $92 | $7,500 | Long terms, big network |
| Independence American | $88 | $10,000 | Lowest entry price |
| National General | $118 | $5,000 | Strong rider menu |
| Pivot Health | $105 | $5,000 | Deductible refund rider |
| Everest | $97 | $7,500 | 36-month availability |
FAQ
Which carrier has the best mobile claims app?
UnitedHealthcare’s member app consistently rates highest for claim tracking.
Can I mix carriers across renewals?
Yes, but each new application restarts pre-existing look-backs.
Is the cheapest plan always the worst value?
Not always — for genuinely catastrophic-only needs, entry tiers are the right tool.