Individuals & Families

Short-Term Basics

Length of Coverage

You can complete an application for coverage at any time during the year. Your earliest effective date will be determined by the date that your application is approved for enrollment. Current federal regulations require that the length of coverage for a Short-Term plan be less than 365 days. Your Short-Term plan coverage will continue until the end of the calendar year unless your policy terminates due to nonpayment of premiums, ineligibility, or 364 days is reached.

You can re-apply after your coverage has been terminated. A new application and eligibility determination is required with each new enrollment. If your effective date is prior to October 1st, we will notify you three months in advance of your termination date to allow time for you to re-apply or seek other insurance coverage.

Application Process

You can apply for Short-Term coverage online. Click “Find a Plan” and use the tool to select the Short-Term plan that best fits you. During the online application process, you will be asked a series of medical questions. Your responses may be reviewed by a Vantage Medical Director. You will receive an email to notify you of your eligibility and how to complete the enrollment process.


Anyone ages 2 to 65 can apply for Short-Term coverage. Each individual must apply separately, so members can enroll independently without affecting other family members. As a result, child-only coverage is available for children over two years of age.

Application Approval

If your application is approved, your enrollment will be processed and you will receive instructions on how to set up your Vantage Member Portal account and your recurring credit card premium payments.

All communication and materials are available to you online or in your personal Vantage Member Portal. You can review your monthly premium bills, plan documents, and personal claims information online in the Vantage Member Portal as well as change your recurring credit card draft information and primary care provider selection.

The information available at this website is for informational purposes only and not for the purpose of providing legal advice. You should contact your professional advisors to obtain advice with respect to any specific issue. Vantage Health Plan is a Qualified Health Plan in the Health Insurance Marketplace.