Professional Insurance Programs

Health Insurance

Short-term Health Insurance

If you are looking for a short-term health insurance policy, let us help you find what will work best for you. We work with many health insurance carriers that offer plans with a variety of deductibles. We look forward to the opportunity to assist you with your coverage needs!

If you are looking for individual/family ACA coverage. Please visit https://www.healthcare.gov/

Short-term health plans do not have an open enrollment period like ACA plans. You can enroll in a short-term health insurance plan anytime during the year if you need coverage.

Short-term health plans are available to individuals 18-64 years old and who can pass medical underwriting. Effective dates can be as soon as the day after application. 

Wisconsin short-term health insurance plans are limited to 364 days for a plan’s initial terms. Renewals are permitted on short-term plans in Wisconsin, but a plan’s total duration can’t be more than 18 consecutive months in a row. A consecutive period means that there are no more than 63 days between coverage periods.

These plans were initially geared toward people who needed temporary medical insurance to bridge the gap between plan years for standard-term plans. For instance, people who are switching employers, starting graduate school, or young adults who have become ineligible for coverage under their parents’ plans and are searching for their own insurance might use a short-term insurance plan until obtaining a more permanent solution. Other examples are:

  • People looking for an alternative to standard individual health plans
  • Part-time or temporary employees
  • Workers between jobs and looking for an affordable alternative to COBRA
  • New employees waiting for health benefits to begin
  • Those who are recently retired and waiting for Medicare eligibility

Unlike traditional health insurance plans, which generally offer comprehensive benefits, short-term plans provide less coverage. They do not cover pre-existing conditions, mental health care, routine medical needs, preventative care or maternity coverage. Short-term policies may have a waiting period for any illness. As a result, these plans are less robust than traditional health insurance. 

Short-term health insurance can fill a gap in health care coverage. But it does come with a few disadvantages that must be carefully weighed. If you’re young and healthy, in between plans or you just can’t afford major medical insurance, a short-term plan may satisfy a temporary need.

To get started, request information below or you may also simply call us at 1-800-637-4676.


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Tools & Resources:

Do I qualify for the Special Enrollment Period? Find out here.

Do I qualify for a subsidy? Find out by using the Health Insurance Marketplace Calculator.

For a glossary of health coverage and medical terms, click here.

A summary of the affordable care act can be found here.


Looking for information on health insurance for your employees? Click here.

Don’t forget to ask us about: Life, Disability, Medicare Supplements, Long Term Care, Vision and Dental.


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