Short-Term Health Insurance and Temporary Health Insurance Plans

Individuals and their families who need medical insurance for a limited period of time should purchase short-term health insurance. Choose from a variety of temporary health insurance plans suitable for recent US immigrants, college graduates, early retirees waiting on Medicare to begin, and US citizens returning to the US after living abroad. These short-term medical insurance plans are also appropriate for individuals who have been laid off from their jobs, are in-between jobs, or are waiting on their permanent health benefits to begin at their new job.

The insurance plans listed below are some of the most top-rated temporary medical insurance plans that provide excellent health coverage for up to 11 months for individuals in the US who are in some sort of transitional period.

HCC HCC Life STM

Underwriter: HCC Life Insurance Company
AM Best Rating: A+
Plan pays 80% or 50% of the first $5,000, then 100%
  • Good for people transitioning between jobs or insurance plans.
  • No Out-of-Network Penalties
  • Low Copay at Urgent Care Centers
  • 10 day free look-up period
  • No application fee
  • Subject to an association membership fee - $5/monthly or $0.17 daily
  • Choice of 80/20% or 50/50% coinsurance of the next $5,000 of eligible medical expenses.
  • Coverage from 1 to 6 months. Certain states may provide coverage up to 11 months.
  • No Pre-existing conditions coverage
  • Coverage up to $2 million policy maximum.
  • Only available for residents of CA, CO, CT, MD, IA, RI, NH & WA

HCC HCC STM Complete

Underwriter: HCC Life Insurance Company
AM Best Rating: A+
Plan pays 80% or 50% of the first $5,000, then 100%
  • Good for people transitioning between jobs or insurance plans.
  • No Out-of-Network Penalties
  • Low Copay at Urgent Care Centers
  • 10 day free look-up period
  • Choice of 80/20% or 50/50% coinsurance of the next $5,000 of eligible medical expenses.
  • No application fee
  • Coverage from 1 to 6 months. Certain states may provide coverage up to 11 months.
  • Up to $2 million policy maximum.
  • Available for residents of AK, AL, AR, AZ, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, WI, WV, WY

IHC IHC Secure LITE

Underwriter: Standard Security Life Insurance Company of New York
AM Best Rating: A-
Plan pays 80% or 50% up to first $10,000, then 100%
  • Good for people transitioning between jobs or insurance plans, return from military duty or newly hired.
  • $50 office visit copay
  • 10 day free look-up period
  • $20 application fee
  • PPO Network: MultiPlan & ACS
  • Choice of 80/20% or 50/50% coinsurance for up to first $10,000 of eligible medical expenses.
  • Coverage from 30 days to 364 days.
  • The plan may not provide benefits for any loss caused by or resulting from a pre-existing condition.
  • Coverage up to $750,000 policy maximum.
  • Not available for residents of CT, MA, NH, NJ, NY, ND, VT & WA

IHC IHC Secure STM

Underwriter: Standard Security Life Insurance Company of New York
AM Best Rating: A-
Plan pays 80%, 70%, or 50% up to first $10,000, then 100%
  • Good for people transitioning between jobs or insurance plans, return from military duty or newly hired
  • $50 office visit copay
  • 10 day free look-up period
  • $20 application fee
  • PPO Network: MultiPlan & ACS
  • Choice of 80/20%, 70/30% or 50/50% coinsurance for up to first $10,000 of eligible medical expenses.
  • The plan may not provide benefits for any loss caused by or resulting from a pre-existing condition.
  • Coverage from 30 days to 364 days.
  • Coverage up to $2 million policy maximum.
  • Not available for residents of CT, MA, NH, NJ, NY, ND, VT & WA

STMM Short Term Major Medical

Underwriter: Lloyd's
AM Best Rating: A
Plan pays 100% up to policy maximum of $1,000,000
  • Good for people transitioning between jobs or insurance plans
  • No PPO network, go to any doctor or hospital
  • No Copay or Coinsurance
  • No application fee
  • Coverage from 1 to 3 months
  • No pre-existing condition coverage
  • Coverage up to $1 million policy maximum
  • Not available in AK, DE, IA, KY, MD, MO, MS, MT, NC, NE, NJ, NY, RI, SD, TN
  • Eligibility: 14 days to 64 years
  • No cancellation/refund available
  • No renewal options. You can purchase the policy again up to 11 months total within a 13 month period.