Short Term Health Insurance

Coverage costs 70% less than ACA*

*Short term health insurance plans are not compliant with the Affordable Care Act.

Health insurance has gotten expensive.

But it isn't worth remaining uninsured. 

Short term health insurance is becoming a popular ACA alternative. With plans offering up to 6 months of ongoing coverage and no enrollment deadline, it’s no wonder people want it.

Plans have significantly lower premiums than major medical, but that’s mostly because they are medically underwritten and don’t have to cover essential health benefits like mental healthcare, pregnancy and preventive care.

Short term health insurance is meant to protect you from the unexpected. You can enroll today and have a policy in your name tomorrow.

We provide STM coverage options from the leading carriers:

Utilizes Aetna Open Choice PPO Network

Child only coverage available

Guaranteed issue plans available  

Citizenship not required


Utilizes United HealthCare Choice PPO Network. 

Select plans with prescription coverage

Easy online enrollment 

90 day term per application

Both carriers offer plans with copays and deductible options starting at $1,000.


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SHort Term  vs  Major Medical

6 month max length
Plans may be kept in place indefinitely
Medically underwritten
Guaranteed issue
Large PPO networks available
Small PPO networks or HMOs available
Next day enrollment
Annual 45 day enrollment window 

How do I know if short term is right for me?

  • Waiting for Medicaid approval from the marketplace
  • Find ACA plans to be unaffordable
  • Looking for a low-cost alternative to COBRA
  • Seeking a catastrophic insurance option
  • Ineligible for major medical coverage
  • In-between jobs
  • Waiting for group benefits to kick in
  • Not quite eligible for Medicare (almost 65)
  • Kicked off parent’s policy (recently turned 26)

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