HealthInsurance – Protect What Matters Most


Short Term Health Insurance (STM) was introduced to the market for people who needed help covering gaps in coverage and it is not an “Obamacare” plan under the Affordable Care Act. The plans offer a range of deductibles, co-pay, and max out of pocket options to create more comprehensive or more affordable options for the insured. The duration of a STM plan is determined by the carrier and the state laws, ranging from 3 months to 12. Everyone is not eligible for STM plans, some coverages & health benefits are not covered by them, and you can be denied coverage for pre-existing conditions.

Many Short Term and Indemnity plans will also be sold with supplemental health products, some of these are insurance products and some are not. Most commonly these are dental, vision, critical illness, emergency medical, and accidental death & dismemberment (AD&D) insurance plans. They can also be products like telemedicine for 24/7 access to medical providers, insurance advocacy services to help you take advantage of your plans, pharmacy benefits for discounted prescriptions, and other group association discounts. also works with a network of insurance providers and insurance marketing companies to help consumers find affordable options.