Our Short term medical plans with 364-days of coverage offer consumers a lower cost alternative to plans made available under the Affordable Care Act. However, the plans exclude some pre-existing conditions, do not provide comprehensive, unlimited lifetime benefits and are not guaranteed issue.

IHC Short term medical (STM) plans offer a temporary solution when a life transition leaves your clients uninsured. Plans are available online and are active within 24 hours of applying. Short term medical coverage usually lasts for as few as 30 days and up to 364 days in some states..