Short Term Medical Insurance

HCC Specialty Underwriters, Inc. offers a flexible Short Term Medical Insurance program designed to help insurance agents and brokers place coverage for individuals during gaps in health insurance. Whether your client is between jobs, recently graduated, aged out of a parent’s plan, or waiting for open enrollment, this program provides an affordable solution for temporary medical coverage.

This product is ideal for individuals who don’t currently qualify for or need long-term ACA-compliant coverage. With customizable options and a wide range of deductibles and coinsurance levels, this non-ACA compliant plan gives your clients the ability to select coverage that fits their budget and medical needs.

Ideal Accounts and Use Cases

This Short Term Medical Insurance plan is a strong fit for:

• Individuals transitioning between jobs
• Recent college graduates
• Early retirees not yet eligible for Medicare
• Clients waiting for group or ACA plan enrollment
• Dependents who have aged out of parental coverage

You might have a client who recently left their job and is waiting three months for new group coverage to begin — this program can provide the temporary coverage they need without a long-term commitment.

Coverage Highlights and Advantages

• Non-ACA compliant temporary health insurance
• Flexible policy durations — choose coverage lengths up to 11 months
• Wide range of deductible and coinsurance options
• Access to a strong provider network through Coventry National Network
• Inpatient prescription drugs covered as eligible expenses

Underwriting and Premium Details

Programs are underwritten through various carriers, offering you flexibility based on your client's needs and location. Minimum premiums vary and are dependent on the selected plan structure, deductible, and duration of coverage. This gives agents the ability to tailor proposals to a wide range of client budgets and risk profiles.

Territories and Availability

This program is available in most states, including but not limited to CA, FL, TX, NY, IL, and WA. HCC Specialty Underwriters, Inc. works with agents across a broad footprint, giving you access to Short Term Medical solutions in nearly every U.S. state. Admitted status varies by state.

Why Work With HCC Specialty Underwriters, Inc.?

As a trusted Managing General Agency, HCC Specialty Underwriters, Inc. brings expertise and market access to agents seeking reliable short-term medical solutions. With a focus on flexibility, broad state availability, and strong carrier relationships, HCCSU supports you in finding the right fit for clients with temporary health insurance needs.