MyPriority Short-term plans

Short-term health insurance for Michigan residents

Page last updated on: 3/17/25

If you find yourself without health insurance coverage, a MyPriority® Short-term plan can provide you with reliable and affordable temporary insurance until you decide on a longer-term solution. You can add your family members to this plan too, as long as they're in good health today.

What does a MyPriority Short-term plan include?

Here are some of the included services with MyPriority Short-term plan:

  • Doctor visits, hospitalization, labs and X-rays: Once you meet your deductible, you'll pay a percentage of the covered charges
  • Emergency care: You'll have the security of being covered anywhere in the world if the unexpected happens
  • Prescription drug coverage: Get the medications you need at a discounted cost through a Priority Health in-network pharmacy
  • Large network: Get access to Priority Health's MyPriority PPO network of doctors and hospitals

Why choose a MyPriority Short-term plan?

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Get coverage fast

You can enroll today and your coverage can start as soon as
the next day1.

Choose your deductible

You have three options, so you can select the one that best fits your budget.

Flexible coverage

You choose your length of coverage – up to 3 months – and cancel anytime when you find a long-term solution that works for you.

Short-term health insurance vs. ACA coverage

If you're considering a short-term health insurance plan, it's important to understand what you're buying to make an informed decision. While these plans can be a cost-effective option, they are designed to offer temporary and flexible health coverage.

As a reminder, short-term health insurance plans are not required to comply with certain federal market requirements for health insurance. This includes those contained in the Affordable Care Act (ACA), they don't cover pre-existing conditions and they limit coverage to an initial coverage period of three months, with a total duration (including renewals and extensions) not exceeding four months per 365 days.

FAQs

Take a look at how a MyPriority Short-term plan compares to our Individual and family plans by reading through these frequently asked questions.

Short-term insurance plans do not cover pre-existing conditions. This means any illness, injury or condition for which you received medical care or treatment for within the past five years won't be covered under a short-term plan.

With a MyPriority Individual and family plan, you can't be turned down due to pre-existing conditions like chronic illnesses. In addition, all MyPriority ACA Individual and family plans include chronic condition management, which means that certain services, supplies, and prescriptions used to treat common long-term health conditions are covered before deductible with cost share or in full.

Examples of pre-existing conditions include:

  • Heart disorders
  • Emphysema or chronic obstructive pulmonary disease (COPD)
  • Crohn's disease, ulcerative colitis or hepatitis
  • AIDS or tested positive for HIV
  • Stroke
  • Diabetes (except gestational diabetes)
  • Cancer or tumor (except basal cell skin cancer which has been removed)
  • Alcoholism, chemical dependency, drug or alcohol abuse

No. Preventive care services are not covered under short-term insurance plans. You would be responsible for all preventive care costs.

With a MyPriority Individual and family plan, preventive care is covered in full, before your deductible is met. This includes wellness exams, immunizations and certain cancer screenings.

No. Maternity care is not covered under a MyPriority Short-term plan. You would be responsible for all costs.

With a MyPriority Individual and family plan, routine prenatal and postnatal care is covered in full, before your deductible is met. Labor and delivery care is covered at the inpatient hospital visit cost-share.

With a MyPriority Short-term plan, you'll get Priority Health's discounted cost on your prescription drugs at in-network pharmacies, which is significantly lower than the retail price.

With a MyPriority Individual and family plan, you'll get low prescription copays on Tier 1 generic drugs and have access to a program that automatically helps members save money at in-network pharmacies.

You can enroll in a MyPriority Short-term plan any time and get coverage as soon as the next day1.

With a MyPriority Individual and family plan, you can enroll during Open Enrollment Period (OEP), which takes place from Nov. 1 to Jan. 15 each year. You may be able to enroll outside OEP if you have a qualifying life event; this would make you eligible for a Special Enrollment Period (SEP).

No. Short-term insurance plans are not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act (ACA), and it's not considered Minimum Essential Coverage (MEC).

MyPriority Individual and family plans are ACA-compliant, which means – unlike short-term plans – there's no coverage maximums and you can't be turned down due to pre-existing conditions like chronic illnesses. ACA plans must also include coverage for the following 10 essential benefits:

  • Hospitalization
  • Ambulatory services (doctor visits and outpatient hospital care)
  • Emergency services
  • Maternity and newborn care
  • Mental health and substance abuse treatment
  • Prescription drugs
  • Lab work
  • Preventive care services
  • Pediatric dental and vision care
  • Rehabilitative and habilitative services

No. Since short-term insurance plans don't meet Affordable Care Act (ACA) requirements, they aren't eligible for federal subsidies to help with coverage costs.

If you choose an ACA compliant plan, such as a MyPriority Individual and family plan, you may be eligible for financial assistance through premium tax credits and cost-sharing reductions. When you shop for a MyPriority plan, we'll see if you qualify for this assistance and show you the best plan to meet your needs.

To learn more about how premium tax credits and cost-sharing reductions can save you money, visit our Learning Center.

In Michigan, short-term insurance plans are limited to an initial coverage period of three months, with a total duration (including renewals and extensions) not exceeding four months per 365 days.

Affordable Care Act (ACA) plans, also known as Individual and family plans, offer year-long coverage. Each year, from Nov. 1 to Jan. 15, you can review your current plan during the Open Enrollment Period and choose to either renew it or switch to a different ACA plan that better suits your needs for the upcoming year.

Still have questions?

Call 833.514.1108 to talk to an enrollment specialist.

Know which plan is the right fit for you?

See available MyPriority Short-term insurance plans and get a free quote now.

MyPriority Short-term plans

See MyPriority Individual and family plans and prices and find out if you qualify for financial assistance.

MyPriority ACA plans

1Enrollment application time may vary since short-term insurance plans are medically underwritten.