Short term medical (STM) insurance provides temporary benefits up to 90 days in many states. STM is designed to provide financial protection in the event of an unexpected injury or illness, while waiting for coverage to begin under an ACA-qualified plan.
Short term medical plans offer:
SHORT-TERM MEDICAL EXPENSE (STM)
These products are not qualifying health coverage (“Minimum Essential Coverage”) that satisfies the health coverage requirement of the Affordable Care Act. If you don't have Minimum Essential Coverage, you may owe an additional payment with your taxes. The termination or loss of this policy does not entitle you to a special enrollment period to purchase a health benefit plan that qualifies as minimum essential coverage outside of an open enrollment period. These products may include a pre-existing condition exclusion provision.
The insurance products described on this website are underwritten by Standard Security Life Insurance Company of New York or Independence American Insurance Company, members of The IHC Group. Association membership services are provided by Communicating for America, Inc. There is no ownership affiliation between Standard Security Life, Independence American Insurance Company and Communicating for America.