Short Term Medical Insurance

Short Term Medical Insurance


Short term health insurance for temporary gaps in coverage.



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Please note, our Short Term Medical insurance is intended for temporary gaps in health insurance.  It is not compliant with the federal Affordable Care Act and does not cover expenses related to pre-existing conditions.

Life can be unpredictable. Even if you have planned your next steps carefully, those plans might involve some big unknowns: Where will I work after graduation? When will my next job opportunity open up? When will my insurance benefits kick in? Regardless of your situation, medical emergencies can happen without warning. Without the security of a reliable short-term medical insurance plan, even the smallest injury can lead to a financial hit down the road. At HCC Medical Insurance Services (HCCMIS®), we understand your need for some peace of mind in an uncertain time. From quote to printing your coverage card, our self-service application process makes it quick and easy to apply and get the coverage you need.

Who Needs Short-Term Medical Coverage?

There are a number of transitional periods in life that can leave anyone without medical coverage for a short period of time. Find a scenario that applies to you, and learn more about how a temporary health insurance plan can help keep you covered!

Early Retirees

Who says you need to turn 65 before you can retire? You've worked hard all your life, you've saved your money, and now you are ready to retire early! Since Medicare benefits won't begin until you turn 65, you will need a short-term medical insurance plan to keep you secure in the interim.

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Recent College Graduates

After years of hard work, graduation day has come and gone, and it's time for you to go out into the world and make your mark on it. You're excited to begin a new career, but you are also finding that adulthood comes with its fair share of responsibility. Until you find your first big job, you might need a temporary health insurance solution to stay covered against injury and illness.

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Individuals Between Jobs

Are you currently between career opportunities? As the economy stabilizes, it's only a matter of time before you find your next job. Until that position comes along, you will need to protect yourself with a short-term medical insurance policy.

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Recently Naturalized Citizens

As an immigrant to the United States, you've already built a good life for yourself here. With your new citizenship, even more opportunities and responsibilities are opening up to you. If your plans leave you without permanent health coverage, you'll need a temporary solution to hold you over.

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New Hires

Are you making the move to a new job? During this exciting time, it can be easy to forget important things like health insurance. You might have a wait period before your new benefits kick in, and you will need a temporary medical insurance plan to bridge the gap between your last insurance plan and your new one.

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