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United Healthcare short-term health plan summary

As the largest single health insurance carrier in America, UnitedHealth Group offers a number of policies covering every aspect of health care. The company operates under separate divisions for different types of insurance. If you’re searching for a short-term health plan, also called an STHP or short-term insurance, then you’ll be looking under UnitedHealth One, which is United’s subsidiary company that handles voluntary benefits, pet coverage and other similar insurance products. Short-term health insurance gives you temporary benefits while you’re without other options or waiting for a major medical plan to start.

UnitedHealth STHPs

UnitedHealth One offers four nationwide short-term health insurance policies and one temporary medical plan reserved for residents of Kentucky, South Carolina and Wyoming. The type of plan you pick will depend on your medical needs. As with major medical insurance, short-term policies cover things like doctor’s visits and emergency care. They may not cover preventive care, however, and many STHPs don’t provide for services related to maternity or substance abuse. With UnitedHealth One, you can choose from one of the following options:

Four of the above plans are available to most people living throughout the United States, but policies may vary by state and availability. You should also keep in mind that short-term plans don’t qualify as minimum essential coverage under the Affordable Care Act. This means that you may not receive the same benefits as you would under a major medical plan, and the government will assess a tax penalty against you if you choose an STHP over a regular policy. Make sure you understand the full picture before signing up for a plan.


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303 E. Woolbright Rd., STE 273,
Boynton Beach, FL 33435
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