Short Term Medical Insurance

HCC Specialty Underwriters, Inc. offers a flexible Short Term Medical Insurance program designed for agents and brokers who need reliable temporary coverage options for clients facing gaps in health insurance. Whether a client is between jobs, recently graduated, aged out of a parent’s plan, or waiting for open enrollment to begin, this program lets you place interim medical protection without committing the client to long-term ACA-compliant coverage.

This non-ACA compliant product is built for short-term needs and offers customizable options across a broad range of deductibles and coinsurance levels. That flexibility helps you match price and benefit structure to each client’s budget and medical needs while keeping placement simple and fast.

Ideal Accounts and Use Cases

This Short Term Medical plan is a good fit for individual accounts needing temporary coverage, including:

• Individuals transitioning between employers or waiting for new group benefits to start
• Recent college graduates who are no longer on a student or parent plan
• Early retirees who are not yet eligible for Medicare
• Clients awaiting open enrollment for ACA or employer plans
• Dependents who have aged out of parental coverage

Example: you may have a client who left their job and needs three months of coverage before new group benefits begin. This program can provide short-term protection with options to control the premium through deductible and coinsurance selection.

Coverage Highlights and Advantages

• Non-ACA compliant short-term health coverage intended for temporary needs
• Flexible policy durations — coverage selectable up to 11 months where permitted
• Multiple deductible and coinsurance structures to fit different budgets
• Access to a broad provider network via the Coventry National Network
• Inpatient prescription drugs covered as eligible expenses on qualifying plans

Underwriting and Premium Details

Policies are underwritten through various carriers to give you placement flexibility based on client location and risk profile. Minimum premiums vary by plan design, term length, deductible, and state, so pricing is quote-dependent. Underwriting focus is on standard individual risks; complex or high-risk medical histories may require referral or alternative markets.

Territories and Availability

Available in most states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. Admitted status varies by state and carrier; HCC Specialty Underwriters, Inc. places both admitted and non-admitted options where appropriate to meet your clients’ needs.

Why Work With HCC Specialty Underwriters, Inc.?

As a Managing General Agency, HCCSU brings deep short-term medical expertise and market relationships that help you place temporary individual health business quickly and competitively. The program’s carrier access, flexible plan designs, and nationwide footprint make it a practical option when clients need immediate, short-duration coverage.