Short Term Health Insurance

The IHC Group

For over 30 years, the member companies of The IHC Group have provided health, life, disability, dental, vision, limited benefit, hospital indemnity and medical stop-loss insurance solutions to individuals and groups.

Through product innovation and committed relationships with  policyholders, they have built a strong, successful insurance organization. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc.

3 Reasons for
Short Term Medical

1.  Unable to get medical coverage
Open Enrollment has ended and you find yourself without Health Insurance.  You do not qualify for a Special Enrollment by a life event such as a marriage, new baby or recent loss of health coverage.  The only health coverage available may be Short Term Medical coverage until the next open enrollment.
2.  You have a limited need
Short term medical coverage is catastrophic coverage.  It has a high deductible and is able to cover you if you have a high cost medical situation such as a hospital stay.  It is important to know that coverage does not include pre-existing conditions.
3. You have exhausted other options
Short term medical coverage does not meet the minimum essential coverage required under the Affordable Care Act. Therefore you will likely owe the penalty for being without coverage.
It is important to explore all your options by contacting us.

Apply Now

Short term medical (STM) plans offer a quick, temporary solution when you are uninsured. Plans are available online and are active within 24-hours of applying. STM coverage can last for as few as 30 days or as many as six months.