Short Term Health Insurance

STM policies sold with effective dates of April 1, 2017 and later, must be three months or less in term duration.

Short Term Health plans don't meet the minimum essential coverage requirements of the Affordable Care Act, so you may have to pay a penalty. The fee is sometimes called the "penalty," "fine," "individual responsibility payment," or "individual mandate."   More on penalty

The final rules for short term medical were released by the Department of the Treasury, Department of Labor and Department of Health and Human Services (the “Departments”).  

Here are highlights of the new rules.

Short Term Medical (STM)
-All STM policies sold with effective dates between January 1, 2017, and March 31, 2017, which have durations of three months or more, must terminate on or before December 31, 2017.
All STM policies sold with effective dates of April 1, 2017, and later, must be less than three months in duration.
-The STM policies and applications must prominently state that Short Term Medical is not Minimum Essential Coverage and a tax penalty may be owed .

More on this topic: Excepted Benefits; Lifetime and Annual Limits; and Short-Term, Limited-Duration Insurance 10/31/2016

Short-term, are also known as temporary health insurance. Short-term plans protect you and your family against the medical costs of unexpected accidents or illness while you wait for other coverage to start.

Short-term offers affordable options:

  • Temporary and affordable
  • Coverage can start in a little as 24 hours
  • Get a quick quote
  • Fast underwriting (these plans do NOT cover pre-existing conditions and are NOT guaranteed issued).
  • Can't be renewed (in most cases).
  • Short Term Plans don't meet the Affordable Care Act requirements, so you may have to pay a penalty.
  • May be a good choice if you are between coverage and don't qualify for special enrollment.
  • Can be tailored to your time frame and budget. You choose your start date, length of coverage and deductible amount.
  • These plans are medically underwritten and you do have to qualify to have a policy issued.
  • This is not major medical insurance. Be sure to review the plan benefits, limitations and exclusions before you apply.
  • Not available for all ages; please run a quote or contact us for details.
  • You can't get financial help paying for this plan.


There is an affordable solution!

Once you leave your job -- you basically have four choices on health insurance:

  1. continue your current group plan and pay the premiums yourself (if offered)
  2. enroll in your spouse's plan (if offered)
  3. buy ACA Marketplace individual insurance (during your Special Enrollment Period)
  4. buy a short-term plan
  5. or -- the worst of all worlds -- go without

Here's a perfect solution when you’re waiting for new insurance to begin

Short-term health insurance is the answer.

  • Short-term health insurance plans can offer immediate protection starting quickly if you qualify.
  • These plans are medically underwritten and you do have to qualify to have a policy issued.
  • These plans can provide coverage for a limited period of time, between one and three months.
UnitedHealthcare Insurance Company
Products and services are underwritten by Golden Rule Insurance Company, Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company. In New Mexico, products and services offered are only underwritten by Golden Rule Insurance Company.

Medically Underwritten plans.

  • Also see Supplemental coverages for: Dental, Accident, Critical Illness and more quotes

Provider Finder (UnitedHealthcare Choice Plus Network)

Please read the insurance company brochure and summary before you apply. Contact us to ask questions and review options.
National Health Insurance Company
National General markets products underwritten and issued by Time Insurance Company, National Health Insurance Company, Integon National Insurance Company, Integon Indemnity Insurance Company.

Medically Underwritten and Guaranteed Issue plans. 

  • Also see Supplemental coverages for: Dental, Accident / Critical Illness, Cancer/Heart/Stroke and more quotes

Provider Network (Aetna Open Choice PPO Network)
Don’t let soaring bills alter your financial plans! 
Pair health insurance with Supplemental Coverage to offset your out-of-pocket expense.

See how affordable this added protection is for you and your family!  Quote now