Going without health insurance coverage is NOT a good plan. There's no way to predict when or where an accident or illness could occur. 

 

Short-term medical (STM) plans may be an affordable alternative for those that...

 

• Can't afford personal or employer provided health insurance

• Are in good general health

• Missed the annual ACA open enrollment, which typically runs between November and January

• Need temporary coverage due to a recent loss of job-based coverage

• Object to the Affordable Care Act (ACA) and are uninsured

 

​Benefits and Highlights of STM Plans:

 

• Typically have larger national PPO doctor and hospital networks than ACA/Obamacare Plans

• Typically a cheaper alternative to traditional major medical plans

• Approval for coverage involves a select few medical questions

• Can be purchased at any time during the year

• Policies are approved quickly (based on approval)

• Coverage periods can be taken out from one month up to 6 or 12 months 

 

 

Note: STM plans are not ACA compliant, so tax penalties may apply. Terms, conditions, and limitations apply, based on state insurance laws, individual eligibility, and age requirements.