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on health insurance
for Medicare beneficiaries
or any other type of
health or life insurance!
Medicare Beneficiaries:
877-734-3884 (TTY: 711)
All Other:
786-970-0740 (CELL)
Request An Affordable Care Act Quote!
Call today for quotes on health insurance for
or any other type of health or life insurance!

877-734-3884 (TTY: 711)

All Other:
786-970-0740 (CELL)

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.)

Depending on the state (subject to state insurance commission approval) and carrier, under current regulations short- term plans can be issued for up to 364 days and can be purchased in yearly increments up to a maximum of three years (Florida permits issuance of such plans for the maximum permitted duration.) States are permitted to lower maximum length of coverage allowed for these plans and/or also require inclusion of state-specific provisions. California, for example, doesn’t permit issuance of short-term plans at all, and other jurisdictions have limited the duration of such plans below the maximum permitted.

Note: New Federal regulations concerning duration of short-term health insurance plan were issued March 28, 2024. These regulations stipulate that effective September 1, 2024, duration of these types of plans must be limited to no more than three months, and the maximum period of coverage must be limited to four months, including renewals or extensions. The regulations impose new notice requirements on carriers effective with policies issued or renewed on or after September 1.

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 786-970-0740 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. Some carriers have provided preferred premium pricing and offer up to 25% discounts if you buy 364 day or less policies and pay on a lump sum basis; with some others it is less expensive to buy two six-month policies but simplified underwriting is required for the second policy.
  • Peace of Mind: Get protected from an unexpected illness or injury. Some carriers permit you to buy accident, hospital indemnity, and critical illness policies that you can keep up to age 75 even if you change carriers or plans. These plans can be tailored to eliminate deductibles in case of accidents, hospitalization due to illness, or contraction of a critical illness. Other carriers permit you to buy 2 or three one-year policies that lock in your premiums, and health questions answered for the first-year policy are accepted as answers to the health questions for the second or third year policies. Hence, a condition that is contracted after the start of the first policy will not disqualify you for the second or third policy.
  • Quick Approval: Coverage can start as soon as the day after making application and most applications can be made on-line.
Schedule For 2024
Affordable Care Act Enrollment

Affordable Care Act open enrollment for 2024 plans began November 1, 2023 and ended January 16, 2024 on the Federal Facilitated Marketplace (

You’re eligible to enroll ONLY if you have a Qualifying Life Event.
There are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.

2024 Annual Enrollment Period For Medicare Eligibles

The Annual Enrollment Period for Medicare-eligibles that ran from October 15 through December 7, 2023 for a January 1, 2024 effective date has ended.

You’re eligible to enroll now ONLY if you’re first becoming eligible for Medicare or are eligible for another type of enrollment period. Enrollment rules differ between Medicare Supplement plans and Medicare Advantage, Medicare Advantage Prescription Drug, and separate Medicare drug coverage (Part D).

Call us at 877-734-3884 (TTY: 711) for details.

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-eligibles. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare-eligibles 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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877-734-3884 (TTY 711)