Short Term Coverage for the Changing Times of Life

How does insurance work when changing jobs or moving? Is it possible to be covered during the in-between times of life? Unity Healthcare offers short term healthcare for those short periods of time in life when, for whatever reason, people are without health insurance.

What is short term health insurance?

Short term healthcare coverage is designed to cover the times between full coverage, covering a span of 11 months or less. Although it is considered temporary, those who use short term medical coverage don’t have to sacrifice their benefits. Unity HealthShare’s short term healthcare coverage includes a number of services and benefits.


Download the Short Term Medical Brochure

Download the brochure

Plan Benefits

Items not covered by short term insurance

Because a short term medical plan is not complete comprehensive coverage, it doesn't cover everything. Unity's short term health plan doesn’t include coverage for: vision insurance, pregnancy, infertility diagnosis & treatment, and pre-existing conditions among others.

How Unity’s short term insurance works

Just like most traditional insurance plans, some of Unity’s expenses are completely covered. It also has a “deductible” called an MSRA. Once the MSRA is met, the insurance kicks in. It also has co-expenses which act like co-pays. These co-expenses usually apply once the MSRA has been met and are figured at a percentage of the cost. Members can choose to set their MSRA at $1000, $2500, $5000, or $10,000.

Because Unity HealthShare is a health sharing ministry, it is not under the same requirements as a traditional insurance company. Its short term healthcare coverage does meet all of the Affordable Care Act (ACA) minimum requirements even though it is ACA exempt.

The times of life when a lull takes place between jobs, panic does not have to ensue. With Unity HealthShare’s short term medical coverage, peace of mind is always available.

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Plan Options

InterimCareSTM – Value

Designed for persons who are generally healthy, Aliera’s STM Value Plans offer you a choice of low cost care when you know you have infrequent everyday medical needs, but still need the peace of mind.

Plans starting from: $122

InterimCareSTM – Plus

A STM Plus Plan from Aliera offers a primary care visit for your everyday need, access to reduced prescription (Rx) drugs, as well as labs, x-rays, and hospitalization coverage up to $1,000,000 for your peace of mind.

Plans starting from: $221

InterimCareSTM – Premium

When you select a STM Premium Plan you will receive the best in class care including multiple primary care visits, an urgent care visit, as well as labs, x-rays, and hospitalization coverage up to $1,000,000.

Plans starting from: $245

*All of the Unity HealthShare plans for individuals and families are supported and are part of a healthcare sharing ministry, and thus members are exempt from any ACA penalties.