Short Term Medical Insurance

HCC Life Short Term Medical is temporary health insurance for individuals younger than 65 looking for coverage for themselves or their families during life’s many transitions. With an HCC Life Short Term Medical policy, you choose how the coverage fits your needs or the needs of your family. You select the deductible, coinsurance, and length of coverage so you know that you have prepared if an unexpected medical circumstance arises. Click to read more about how Short Term Medical insurance can fit your needs in any stage of life.

Get Short Term Insurance

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.

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Advantages of HCC Life Short Term Medical

Short Term Medical Insurance


Short term health insurance for temporary gaps in coverage.



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Fast Enrollment Process

HCC Life Short Term Medical requires limited medical underwriting with no additional medical tests to be accepted for coverage. Immediate online confirmation and fulfillment are available, including medical ID cards.

No Application Fee

Unlike other insurance companies that offer short-term medical plans, HCC Life Short Term Medical does not have an application fee. Apply now for free for a HCC Life Short Term Medical policy today!

No Out-of-Network Penalties

HCC Life Short Term Medical customers have the freedom to choose doctors and hospitals without facing out-of-network penalties.

Low Copay at Urgent Care Centers

If treatment is received at an urgent care center, the deductible is waived and substituted with a $50 co-pay option.

10-Day Money Back Guarantee

In addition to having no application fee, we want to guarantee your satisfaction with our product. If you are unsatisfied, send a written request to cancel your policy within 10 days of purchase. If you have not already used the insurance benefits, you will receive a full premium refund. Premiums are non-refundable after 10 days.

Get Short Term Insurance

HCC Life Short Term Medical is the ideal solution for individuals needing temporary medical coverage while going through some of life’s many transitions.

Individuals between jobs

When you move on from a job, you leave behind your medical benefits. Many people find continuing their employer-sponsored plan through COBRA is too expensive, while they look for alternate employment. HCC Life Short Term Medical is an affordable COBRA alternative for medical coverage.

New employees waiting on benefits to begin

If you have been recently hired, you may have a gap while you wait for your employer-sponsored benefits to begin. You can purchase HCC Life Short Term Medical for as little as one month to prevent you from having a coverage gap. Click here to learn more.

Retired individuals (younger than 65) waiting on Medicare to begin

If you are an individual who retired before the age of 65, you may be faced with a gap in coverage before your Medicare begins. HCC Life Short Term Medical offers coverage until your Medicare coverage starts. Visit our early retirement page to learn more.

Recent U.S. immigrants

Individuals who have recently become U.S. citizens may have a waiting period before being able to receive Medicare or other government-sponsored health plans. HCC Life Short Term Medical can be an excellent option for U.S. coverage in your state of residence.

College graduates

You may be one of many college students faced with being uninsured after graduation. If you were insured under a family plan with your parents or under a university plan, you are no longer eligible for those plans and may have a gap in coverage until benefits begin with your first professional job. Apply for a Short Term Medical insurance plan today!

Young adults no longer covered under parents’ plan

The federal health care reform law (PPACA) allows dependent children to be covered as a dependent up to age 26. Some states allow you to remain longer. However, at one point or another, most children must be removed from their parents’ plans and onto their own. Apply for a Short Term Medical insurance plan today!

U.S. citizens returning from living abroad

HCC Life STM offers protection from medical expenses for your return to the U.S. from overseas and is available in most states.

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