Where is STM available?

Short Term Medical Insurance is available in all states except MA, NJ, NY, VT, Puerto Rico, and the U.S. Virgin Islands. Here are some options to consider if you reside in one of the aforementioned locations:

Permanent Medical Insurance can be purchased in all states and can be used to fill a temporary gap where Short Term Medical Insurance is not available.
If you live in a state where Short Term Medical Insurance is available (such as while attending college) insurance can be issued to you at your permanent residence or at your school address. If you become insured and then move elsewhere in the United States or Canada, your insurance moves with you. Select another state for Short Term Medical Insurance.

Not sure if Short Term Medical Insurance is right for you? More information about Short Term vs. Permanent Medical.

Don't go without medical insurance because you think it costs too much. STM is a logical and very economical option for most people seeking temporary medical coverage.

Not sure if Short Term Medical Insurance is right for you? For more information about Short Term vs. Permanent Medical visit our comparison page.

Short Term Medical Insurance is currently unavailable in MA, NJ, NY and VT. Residents of those states should consider Permanent Medical Insurance to bridge a temporary gap in coverage.

Short Term Medical Insurance products are underwritten and issued by a variety of carriers which vary by state, including Time Insurance Company (marketed as Assurant Health), Companion Life Insurance Co., Starr Indemnity & Liability Co., Market Insurance Co., and HHC Life Insurance Co. This list may change from time to time.

This Web site highlights the major features of Short Term Medical Insurance, but complete terms are governed by the insurance policy. In any case, all coverage required by your state is included.

Licensed Agents vary by state, see our Licensed Agents page for more information.