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Applying for a Short Term Medical Plan

Steps to make it easier and what to expect…

Short Term Major Medical Plans – are insurance plans typically lasting 1-12 months. Short Term Health Plans are NOT ACA compliant and you may still be subject to the ACA penalty for not having Minimum Essential Coverage (MEC). These plans can be utilized by consumers who are not eligible for a Special Enrollment Period (SEP) in the Marketplace, but need coverage to hold them over until the next Open Enrollment Period (OEP). These plans can be a great bridge for consumers who are: between jobs, awaiting group coverage to be effective, or eligible for Medicare in the near future.

STM Disclaimer:
THIS IS 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.