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Short-Term Medical Insurance (STM)

Short-Term medical plans provide coverage during life transitions. When you are between group insurance or individual major medical policies, STM plans cover unexpected illnesses. Covered expenses include diagnostic physician visits, emergency room treatment, hospital stays, surgery, intensive care, and more, but do not include maternity care or outpatient prescription drugs.


STM plans are affordable. While STM contains limitations compared to traditional major medical plans, the premium is lower.


Select from various deductible, coinsurance, and out-of-pocket options to meet your coverage and premium needs. You can also add supplemental coverage such as dental, prescription drug discounts, telemedicine, or other additional coverage.


Coverage can begin as early as the day following your application. The underwriting process is simple. ID cards and claims information are available online.

A Short-Term Medical Plan May Be Right for You if

  • You have missed open enrollment and aren't eligible for special enrollment under the Affordable Care Act.
  • You are waiting for your individual ACA coverage to start.
  • You are waiting for health insurance benefits to begin at a new job.
  • You are looking for short-term coverage prior to Medicare.
  • You are turning 26 and leaving your parent's plan.
  • You are losing coverage following a divorce.
  • You need an alternative to COBRA.
  • You are healthy and under the age of 65.
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Short-Term medical plans are not ACA compliant and do not meet ACA standards. ACA requires all major medical plans to provide specific benefits and also mandates that Americans have health plans that qualify as Minimum Essential Coverage or pay a penalty. STM plans do not meet ACA requirements.