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It depends on your state. A 2024 federal rule limits short-term health insurance plans to 3 months, or 4 months with renewals, but that limit has not been enforced since August 2025, so many states again allow plans of up to 12 months, with renewals up to 36 months. Other states set their own limits: Illinois banned short-term plans starting January 1, 2025, and North Carolina and Pennsylvania still limit them to 3 months (4 months with renewals). See which states allow year-long short-term plans.
If you need coverage for longer than your state allows, you can enroll in an ACA plan during open enrollment (November 1, 2026 to January 15, 2027 on HealthCare.gov) or after a qualifying life event.
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Can I get a short term plan that lasts longer than 90 days?
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