Health

Year-Round Coverage for Life's In-Between Moments

Short-term medical fills gaps when clients can't wait for Open Enrollment. Year-round sales, fast close, motivated buyers.

Get Started — Apply Now

Healthcare professional reviewing patient coverage options at a desk

Between Jobs

Clients who recently left or lost employment need immediate coverage while searching for their next opportunity.

Aging Off Parent's Plan

Young adults turning 26 lose dependent coverage and need affordable protection before their next enrollment window opens.

Waiting for Medicare

Clients who retire before 65 face a coverage gap and need a bridge solution until Medicare eligibility begins.

SEP Gap

Clients who missed a Special Enrollment Period or had an application delayed need a temporary solution right away.

Same Day

Approval — coverage can begin as soon as tomorrow

Doctor and specialist visits
Emergency room & urgent care
Hospitalization & surgery
Diagnostic lab & imaging
Prescription drug options available
Flexible term lengths: 30 days to 12 months

Fast Coverage When Clients Need It Now

When life changes unexpectedly, clients can't wait weeks for a decision. Short-term medical delivers real coverage fast — letting you close more business and genuinely help clients in urgent situations.

✓ Applications approved the same day in most cases
✓ No Open Enrollment requirement — sell any time of year
✓ Buyers are highly motivated — they need coverage now
✓ Simple underwriting with streamlined e-app process
✓ Renewable and extendable depending on state and carrier
✓ Competitive commissions with quick issue cycles

Limitations to Communicate

Pre-Existing Conditions Not Covered

Short-term plans typically exclude coverage for medical conditions diagnosed or treated before the policy effective date. Always disclose this clearly to clients during the application process.

Not ACA-Compliant

These plans do not meet Affordable Care Act minimum essential coverage standards. Clients cannot use them to satisfy any ACA coverage requirement and may still owe a penalty in states that have one.

Limited Benefit Caps May Apply

Many short-term plans have per-incident or annual dollar caps on benefits. Review the specific plan's Schedule of Benefits with clients so there are no surprises at claim time.

Not Available in All States

Short-term medical plan regulations vary significantly by state. Some states prohibit or heavily restrict these products. Confirm availability and permitted term lengths for your client's state before quoting.

Insurance agent discussing policy details and limitations with a client