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Top National Short-Term Medical Insurance Plan

HCC Life Short-Term Temporary Health insurance

Eligibility and Enrollment for STM Complete


Length of Coverage Up to 6 or 11 months depending on state requirements. Purchase in full or make monthly payments.
Deductibles $500, $1,000, $2,500, $5,000 or $7,500. A maximum of 3 deductibles is required per family. Coinsurance 80% or 50% of the next $5,000 of eligible medical expenses Coverage Period Maximum $2 million

HCC Life Short Term Medical is temporary health insurance for individuals younger than 65 looking for coverage for themselves or their families during life’s many transitions. With an HCC Life Short Term Medical policy, you choose how the coverage fits your needs or the needs of your family. You select the deductible, coinsurance, and length of coverage so you know that you have prepared if an unexpected medical circumstance arises.

After purchasing coverage, how can I trust the company to be there if I need them? For more than 30 years, HCC Life Insurance Company has been leading the way in medical stop loss insurance for employers who self-fund their employee benefits plans. HCC Life’s products, including medical stop loss, HMO reinsurance, medical excess, group term life insurance and short term medical insurance are backed by the financial stability of its parent company, HCC Insurance Holdings, Inc. (NYSE: HCC). HCC Life holds a financial strength rating of AA (Very Strong) by Standard & Poor’s and Fitch Ratings and A+ (Superior) by A.M Best Company.

Please note, our Short Term Medical insurance is intended for temporary gaps in health insurance. It is not compliant with the federal Affordable Care Act and does not cover expenses related to pre-existing conditions.

  • Individuals between jobs
  • New employees waiting on benefits
  • Retired individuals (under 65) waiting on Medicare
  • Recent U.S. immigrants
  • Recent college graduates
  • Young adults no longer covered under parent’s plan
  • U.S. citizens returning from living abroad
  • Coverage for children