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Calculate your cost
for health and life Insurance!
Get Rates & Plans Now
Or call today!
877-734-3884

Short Term Health Insurance

What is Short-Term Health Insurance?

Short-Term Health plans offer temporary coverage with limited benefits. They are not Affordable Care Act-compliant, don't cover pre-existing conditions, and most are not guaranteed issue, which means that the insurance company can ask you health questions and can reject you for a health condition. (Select carriers in some states offer Short-Term Health plans that are guaranteed issue, but these plans do exclude pre-existing conditions.)

Note: depending on the state (subject to state insurance commission approval) and carrier, short- term plans can be issued for up to 364 days and can be renewed for up to three years. States are permitted to lower maximum length of coverage allowed for these plans and also require inclusion of state-specific provisions. Some states, e.g. California, have limited these plans to three month durations, and at least one state does not permit purchase of short-term plans at all. Rules and length of coverage will vary by each state.

In most cases medical underwriting is required, which means that the carrier can ask you health questions and you can be refused coverage if you have certain conditions.

Call us at 877-734-3884 for details and options.

We are aware of only one national carrier that permits selling Short-Term Health plans on a child-only basis; with other carriers children must be included in an adult's policy and qualify medically in order to be eligible for enrollment in a Short-Term Health policy.

Short-Term Plans Can Help in These Situations

  • Affordable Care Act: If you're outside of Open Enrollment, don't have a "qualifying life event," and can't qualify to enroll in an Affordable Care Act plan, Short-Term Health plans can bridge the gap until you can apply during the next Open Enrollment Period.
  • Change of Employment: Laid off? Job loss? Get covered in-between jobs until you can be covered again by employer group coverage.
  • Before Medicare: Waiting for coverage? A Short-Term Health plan can protect you in the meantime.
  • Proof of Coverage: Need proof of insurance for some reason? Many colleges, for example, require proof of insurance before they will let you take classes. A Short-Term Health plan can be quick and affordable. [Note that many colleges offer Student Health Insurance, and these types of plans are alternatives to short-term health plans. Many student health insurance plans meet the requirements of the Affordable Care Act and contain all 10 of what are called the “Essential Health Benefits.”]

What Short-Term Health Plans Offer

  • Affordable Premiums: Compared to other alternatives, Short-Term Health Insurance can have low, affordable rates.
  • Peace of Mind: Get protected from an unexpected illness or injury.
  • Quick Approval: Coverage can start as soon as the day after making application and most applications can be made one on-line.
2020 Schedule
Affordable Care Act Open Enrollment
November 1, 2019 Open Enrollment begins.
December 15, 2019 is the last day to enroll for 2020 on the federal facilitated marketplace.
January 1, 2020 Coverage starts.

2020 Schedule
Medicare Annual Enrollment Period
October 1, 2019 Pre-enrollment period starts. 2020 plans can be discussed.
October 15, 2019 Enrollment starts.
December 7, 2019 is the last day to enroll for a 2020 plan.
January 1, 2020 Coverage starts.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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Calculate your health Insurance cost!
Get Rates & Plans
Or call today!
877-734-3884