Short Term Insurance

Short term medical plan can be a perfect fit, if:

  • you are in between employer sponsored coverage,

  • need a little time determining which plan to choose with ObamaCare because of a loss in group coverage,

These plans do not meet ACA requirements, are underwritten, not guaranteed renewable, and may result in a tax penalty.

They are designed for one purpose, to provide temporary health care insurance during unexpected coverage gaps.


Flexible and Fast

  • Start your coverage fast, as soon as the next day in many cases,

  • Drop your coverage without penalty,

  • Choose from a range of available deductible amounts,

  • Coverage is available up to 6 months,

  • Apply for another term of coverage if needed.

With your Short Term Medical insurance you can get the security of that coverage fast, right when you need it.

When is it useful to have short term health insurance:

  • Rolling off parent’s insurance

  • In-between jobs

  • Without health insurance, have missed Open Enrollment and do not have a qualifying event for Special Enrollment

  • Waiting for your Affordable Care Act (ACA) coverage to begin

  • A college student or just out of school

  • Waiting for benefits to begin at a new job

  • Waiting for Medicare

  • Needing a temporary alternative to COBRA insurance

  • Losing coverage following a divorce

  • Under 65 and in good health