Short Term Health Insurance

A Budget-Friendly Option to Reduce Your Monthly Costs

Plans offer coverage for a variety of medical services like doctor office visits, emergency room care, hospital stays, surgery and more after a deductible is met.

Some plans offer doctor office copays for primary care and Urgent Care. Each plan also includes coinsurance, which is the portion an insured is required to pay after the deductible is met.

Short Term Medical

On August 7, 2025, the Centers for Medicare & Medicaid Services (CMS) announced it will not enforce the 2024 STM duration limits while reviewing rules— opening the door for states to allow short-term medical plans lasting up to 12 months and renewable for up to 3 years.

This update means more choices for consumers who need temporary, budget-friendly coverage during life transitions—and more opportunities for agents to deliver high-value, flexible solutions.

Here’s what this means for you:

• ✔   Expanded coverage options for your clients
• ✔   Increased retention and lifetime value per policy
• ✔   Rising demand from clients seeking flexible coverage

Pivot Health State Availability

Up to 3 years of coverage to meet consumer needs.
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Pivot Health State Availability

• ✔   SureCare Short-Term Insurance Plans

SureCare short-term medical insurance plans are the latest offering with deductible options, preventive care, and open access to see any provider.

Features and Benefits:

• Unlimited $30 doctor office copays.
• Adult preventive annual exam $50 copay with the deductible waived.
• No network restrictions.

• ✔   Classic Short-Term Insurance Plans

Perhaps you are recently unemployed or missed the Individual marketplace open enrollment period. Maybe you have aged off of your parent’s insurance plan or you are waiting for employer benefits to kick in. You could have a job that just doesn’t offer group health insurance coverage. There are plenty of reasons you might be among the millions of Americans in need of short-term insurance.

Features and Benefits:

• Up to $1 million in total coverage per period.
• A variety of coinsurance and deductible options.
• Doctor visit copays on select plans.

• ✔   Quantum Short-Term Insurance Plans

Quantum short-term medical insurance plans provide a temporary health insurance solution to cover everyday medical services and help reduce your financial risk. These plans provide access to a national PPO network.

Features and Benefits:

• Access to the Cigna PPO network.
• Up to $1,000,000 in benefits per coverage period.
• Deductible options from $2,500 to $10,000.

• ✔   Epic Short-Term Insurance Plans

Short-term health insurance plans provide medical coverage for a limited period of time to help pay for health care expenses. This flexible health insurance solution is designed to help address gaps in health insurance coverage created by temporary situations. If you’re in a time of transition or looking for next day coverage, consider a short-term medical plan. In many states, you have a choice of short-term plans offering access to the Cigna PPO network or plans which have access to all providers.

Features and Benefits:

• Preventive wellness coverage for the whole family including prostate and colon cancer screening, mammograms and OB-GYN annual exams.
• Child immunizations paid at 100%.
• Preventive health exams (after 3 months of coverage).

Pivot Health STM Solution vs. ACA Plans

For agent use only. Not for use with consumers. Exclusions and limitations may apply. Products are not available in all states.

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