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Short Term

Short term insurance plans can help you get covered from 30 to 180 days, and up to 364 days in many states. Designed to help protect you from the costs of the unexpected, they are helpful if you are between jobs with employer-provided coverage, a new hire awaiting the start of employer-provided coverage, or between open enrollment periods.

  • Cost-effective
    • Typically have lower premiums than major medical coverage
  • Convenient, and tailored to your needs
    • Allow for customizing length of plan
    • Offer several deductible and co-pay options
    • May allow for reapplication after coverage expires (option not available in all states)

Temporary health insurance is a short-term plan designed for individuals who don’t currently have health insurance. Temporary policies do not cover pre-existing conditions. Temporary health insurance is also not considered minimum essential coverage under the Affordable Care Act (also called Obamacare), and even if you enroll in and maintain temporary coverage you may NOT be exempt from the Shared Responsibility Payment (tax) that may otherwise apply for not having qualifying health insurance.

Secure Lite offers short-term coverage with affordable premium achieved through carefully selected benefit limitation.

IHC Specialty Benefits is a privately run licensed marketing agency, and is not affiliated with the federal Marketplace or healthcare.gov