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. Short-term health insurance plans are available for individuals and families looking for temporary coverage in the USA, until they are eligible for domestic health insurance.

These plans are best suited for for recent U.S. immigrants, college graduates, international students on OPT visas, early retirees waiting on Medicare to begin, guest work visa holders, such as H or L visas, and U.S. citizens returning to the U.S. 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. These plans are available for individuals up to the age of 64.

The insurance plans listed below are some of the most top-rated temporary medical insurance plans that provide excellent health coverage for up to 3 months for individuals and families in the USA.

ISEC IHC Secure

Underwriter: Standard Security Life Insurance Company of New York
AM Best Rating: A-
Plan pays 80%, 70% or 50% until out-of-pocket max is satisfied, then 100%
  • Available up to age 64
  • Two options available - Secure STM and Secure Lite
  • For Secure STM: Plan pays 80%, 70% or 50% until out-of-pocket amount is satisfied, then 100% thereafter up to policy maximum
  • For Secure Lite: Plan pays 80% or 50% until out-of-pocket amount is satisfied, then 100% thereafter up to policy maximum
  • 10 day free look back period, cancellation request must be sent 15 days prior to next monthly payment.
  • A $25 application fee applies

  • This plan is ONLY Available to Residents of Virginia

ISTCIHC Short Term Connect

Underwriter: Independence American Insurance Company (IAIC)
  • Available up to age 64
  • Two options available - Connect STM and Connect Lite
  • For Connect STM: Pays up to 80%, 70% or 50% up to out of pocket maximum, then covers 100% up to Policy Maximum
  • For Connect Lite: Pays 80% or 50% up to out of pocket maximum and then 100% up to the policy maximum
  • 10 day free look back period, cancellation request must be sent 15 days prior to next monthly payment.
  • A $25 application fee applies

  • IHC Connect STM is Not Available to Residents of: California, Connecticut, Washington DC, Delaware, Hawaii, Massachusetts, North Dakota, New Hampshire, New Jersey, New Mexico, New York, Nevada, Rhode Island, Virginia, Vermont and Washington.
  • IHC Connect Lite is ONLY Available to Residents of Idaho and Ohio.

ICAPIHC Care Access Plan

Underwriter: Independence American Insurance Company (IAIC)
  • Available up to age 64
  • Plan pays fixed benefit amounts for these covered situations
  • Covers for only defined Critical Illness, Hospitalization & Surgery
  • 10 day look-back period, no refund available after that
  • Optional Coverage for preventive wellness, diagnostic testing and physician office visits
  • A $25 application fee applies

  • Not Available to Residents of: Alaska, Colorado, Connecticut, Hawaii, Kansas, Massachusetts, Maryland, Minnesota, North Dakota, New Hampshire, New Jersey, New York, Rhode Island, Vermont, Washington.
  • NOTE: In California, you must have an ACA-compliant plan in order to be eligible to apply. If you do not have an ACA-compliant plan, you are not eligible to apply and/or coverage will not be issued.
Disclaimer
Information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
Our website uses cookies to help us improve user experience so that we can better serve you. By proceeding, you agree to allow us to utilize these cookies for future use. For more information, please view our Privacy Policy and Terms of Use.