For Group Producers:

High income and/or self-employed
Options are important for these high-earning health insurance seekers, but so is a fair price for coverage. Having control of how they spend their health care dollars is important.

Changing jobs
It’s a new economy where job fluidity is more common than ever; temporary health insurance may be a good fit.

Quote our Short Term
products on Quotit FREE

**Free Quotit access is limited to Short Term Medical product quoting only. 
Access to all carriers will require a subscription with Quotit Corporation.

A short-term insurance plan is a good fit if your client needs to bridge a gap for a short time when uninsured. Short-term plans give them limited coverage for a limited time until they can move to a more permanent plan.

Recent college grads, people in between jobs, or an early retiree are all good examples of people who may benefit from short term coverage. In some cases, they may choose a short-term plan to cover their children if they are not able to get a family plan right away.

Unlike ACA plans, short term plans don't cover preexisting conditions, and you must answer a series of medical questions to apply.

A short-term plan might be a good fit if your client…

  • Missed Open Enrollment and doesn’t qualify for a Special Enrollment Period
  • Is waiting for their ACA plan to start
  • Is looking for coverage until he/she joins Medicare
  • Is turning 26 and coming off a parent’s plan
  • Is between jobs or waiting for benefits to start
  • Is healthy and under 65


For ACA Producers:

Having options for coverage is more important than ever. Not everyone is eligible for ACA outside of Federal or State Open Enrollment Periods (OEP). Be ready to present coverage options to your clients with Short Term Medical Products.

Notable Niches:

  • Generally healthy individuals
  • Budget-conscious buyers and those who want more control over their health care dollars
  • Need nationwide network access
  • No qualifying life event (QLE) outside of ACA open Enrollment

For Senior Producers:

Pivot Health saw a 60% increase last year of individuals age 60-64 buying short term medical insurance. Retirees with part-time jobs are a key Short Term Medical demographic!


Stephens-Matthews Marketing, Inc.

Life Insurance Managing general agent
Life Insurance MGA