Important — please read

Notice for Short-Term Medical (STM) Coverage

THIS COVERAGE IS NOT REQUIRED TO COMPLY WITH CERTAIN FEDERAL MARKET REQUIREMENTS FOR HEALTH INSURANCE, PRINCIPALLY THOSE CONTAINED IN THE AFFORDABLE CARE ACT. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.

Notice for Limited Medical / Fixed Indemnity Coverage

IMPORTANT: This is a fixed indemnity policy, NOT health insurance. This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care. Looking for comprehensive health insurance? Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325). To find out if you can get health insurance through your job, or a family member's job, contact the employer. Questions about this policy? Contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org).

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Private health insurance

Private health insurance options.

For households above the federal subsidy cutoff, or healthy individuals between coverage. We offer two distinct product categories with specific limitations you should understand before enrolling.

Who these plans serve

Specific situations, specific solutions.

Private health insurance products serve two distinct audiences. Marketplace plans cost full premium for households above the federal subsidy cutoff (400% of the Federal Poverty Level), and some healthy individuals between jobs need bridge coverage during transitional periods.

These products are medically underwritten. Pre-existing conditions are excluded. Only people who can pass underwriting can purchase. Comparing options at HealthCare.gov first is recommended for everyone.

Short-Term Medical

Bridge coverage for transitional periods.

Short-term medical coverage is designed for healthy individuals who need temporary protection between jobs, before Medicare eligibility, or while waiting for an open enrollment period. We offer Short-Term Medical from UHC Golden Rule.

This is not minimum essential coverage. Pre-existing conditions are excluded. Coverage typically does not include maternity, mental health benefits at parity, prescription drug benefits at the levels required by ACA Marketplace plans, or comprehensive preventive care. Plan availability and duration vary by state. Specific terms determined by your state and carrier filing.

For comprehensive health insurance with pre-existing condition coverage and essential health benefits, compare Marketplace plans at HealthCare.gov.

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Limited Medical / Fixed Indemnity

Fixed-payment coverage for specific events.

Limited medical and fixed indemnity products pay a predetermined dollar amount when specific events occur — a hospital admission, an emergency room visit, a doctor visit. We offer products from Allstate Health Solutions.

This is not health insurance. The product pays fixed cash regardless of actual medical expenses incurred. It is not minimum essential coverage. It does not replace comprehensive health insurance. It is designed as a supplement or income-replacement tool, helping offset out-of-pocket costs you would otherwise pay yourself.

For comprehensive health insurance, compare Marketplace plans at HealthCare.gov.

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Frequently asked

Common questions about private insurance.

Is short-term medical insurance a substitute for ACA coverage?

No. Short-term medical is not minimum essential coverage and does not include essential health benefits. It is designed as bridge coverage for healthy individuals between comprehensive coverage. Comprehensive health insurance is available at HealthCare.gov.

Short-term medical (STM) plans are explicitly excluded from the federal definition of individual health insurance coverage. They are medically underwritten, exclude pre-existing conditions, and can have annual or lifetime dollar limits. STM termination does NOT trigger an ACA Special Enrollment Period — if you lose this coverage outside of an Open Enrollment Period, you may have to wait until the next OEP to enroll in comprehensive coverage at HealthCare.gov.

Can I keep my doctor with these plans?

Provider networks vary by carrier and state. Some short-term medical plans have broad PPO networks. Limited medical and fixed indemnity products typically have no network requirements — you pay providers out of pocket and receive a fixed cash benefit from the policy.

Because limited medical / fixed indemnity products pay you a predetermined dollar amount rather than paying providers directly, network restrictions usually do not apply. Confirm specific network details with the carrier before enrolling.

What happens when my STM coverage expires?

Short-term medical termination does NOT trigger an ACA Special Enrollment Period. If your STM expires outside of an ACA Open Enrollment Period (Nov 1 - Jan 15), you may have to wait until the next OEP to enroll in comprehensive coverage at HealthCare.gov.

Plan ahead so your STM coverage end-date aligns with the next ACA Open Enrollment Period or with eligibility for an actual qualifying life event (job-based coverage, marriage, etc.). Renewing or stacking STM plans is restricted by federal rules and varies by state — speak with your state Department of Insurance for specifics.

What if I have a pre-existing condition?

Short-term medical specifically excludes pre-existing conditions from coverage. Limited medical pays fixed cash regardless of condition but is not designed as primary medical coverage. For pre-existing condition coverage, ACA Marketplace plans are required to provide it without underwriting.

ACA Marketplace plans are required to issue coverage to all applicants and cannot deny coverage or charge more for pre-existing conditions. If you have ongoing health conditions, comparing Marketplace plans at HealthCare.gov should be your first step.

Can I stack multiple STM plans?

Federal rules limit total short-term medical duration. State rules vary. Stacking STM plans to extend coverage beyond state-allowed limits may violate state insurance regulations. Consult your state Department of Insurance for specific guidance before stacking.

States set their own limits on initial term length, total duration with renewals, and whether stacking is permitted. A licensed advisor can walk through your specific state's rules before any application.

How is fixed indemnity different from health insurance?

Fixed indemnity pays a predetermined cash amount regardless of actual medical expenses. Health insurance pays providers based on contracted rates after deductibles and copays. Fixed indemnity is supplemental coverage — it does not substitute for comprehensive medical coverage.

Limited medical and fixed indemnity products are classified as excepted benefits under federal law. They are designed to offset out-of-pocket costs, not to replace comprehensive medical insurance. Use them as a supplement, not a substitute.

Why might I consider these products?

Households above the federal subsidy cutoff face full Marketplace premiums. Healthy individuals between jobs may need brief gap coverage. These specific situations may benefit from underwritten short-term or fixed indemnity products. Compare against Marketplace alternatives at HealthCare.gov before deciding.

These products serve narrow situations, not as ongoing coverage. The right step for almost everyone is to first compare ACA Marketplace plans at HealthCare.gov — only then consider whether a short-term medical or fixed indemnity supplement makes sense for your circumstances.

Important: Short-term medical and limited medical / fixed indemnity products are not minimum essential coverage and do not substitute for comprehensive ACA Marketplace coverage. Pre-existing conditions are excluded from short-term medical. Limited medical pays fixed cash regardless of medical expenses. For comprehensive health insurance, visit HealthCare.gov.

Talk through your specific situation.

Private insurance products are situational. A no-cost consultation with a licensed independent advisor helps you understand which option — including ACA Marketplace plans — is right for your circumstances.

Call (954) 807-4855 Schedule a consultation

Licensed Insurance Advisor | NPN: 19291077 | Licensed in 22 states