The average cost of short-term health insurance for individuals is about $115 a month. This number increase to about $275 if you want to get an entire family covered by the plan. This number can be deceiving though because it does not account for the high deductible that short-term policy holders must pay. The average deductible for individuals is $5000 and $15000 for families. The estimates above also do not account for the tax burden of not having a short-term plan. However, this will no longer be an issue in 2019.