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Short Term Medical Insurance

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What is Short Term Medical?

Temporary health plans for those in-between times

Short term medical plans can help you pay for unexpected healthcare when you are temporarily without ACA-compliant major medical insurance. Benefits vary by plan, but covered expenses generally include hospital room and board, emergency room treatment, ambulance services, surgical services, doctor office visits and more.

Short term medical

Quick Coverage

Skip the waiting. Apply and enroll in minutes, year-round. If you are approved, next-day coverage is available.


Plans for 1 Month+

Forget long-term commitment. STM plans last anywhere from 30 to 90 days, depending on your coverage needs.

Critical Illness

Cost-Effective Benefits

Don’t spend a fortune. Designed to help with the unexpected, STM plans often cost a fraction of ACA premiums.

How STM Works

Who Benefits from Short Term Health Insurance?

One solution for a range of life situations.

When you are experiencing a transition that leaves you without individual or job-based major medical insurance, STM is available for the interim. Know you have some financial protection for medical costs associated with unexpected illnesses and injuries—whether you are without ACA-compliant coverage for a single month or three.

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Employment Changes

A simple solution between jobs or in employer waiting periods.


Without Obamacare

Temporary healthcare benefits until you secure ACA-compliant coverage.

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Life Changes

Peace of mind while you move, go through a divorce, head to college and more.