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Individual Major Medical vs. Short Term Medical
Which Health Insurance is Right for You?

Individual Major Medical Insurance

The Affordable Care Act mandates that you have health insurance. If you don’t, you’ll need to report it on your tax return and pay a penalty.* For those seeking individual major medical health insurance for 2015, Open Enrollment runs from November 15, 2014 to February 15, 2015.

The Alumni Insurance Program offers a Private Health Insurance Exchange, which offers ACA-compliant comprehensive major medical insurance from a variety of carriers with varying coverage amounts. Federal subsidies are available to those who qualify.

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Short Term Medical Insurance

Short Term Medical Insurance (STM) is cost-effective and flexible coverage designed to fill the temporary needs of those without insurance, including new graduates and the unemployed, when Open Enrollment for Individual Major Medical Insurance is not in effect, or a Special Enrollment Period does not apply.

STM is intended for those who expect to have ACA-compliant coverage through work, school, or another source soon. Short Term Medical Insurance is available in most states, but not MA, NJ, NY, and VT.

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Whether you have a desire for comprehensive, ACA-compliant individual major medical coverage, or have a temporary need for medical coverage (not compliant with the ACA), consider purchasing medical insurance to protect yourself in the event of an illness or accident. Because health insurance options vary by state and individual situation, we offer both Individual Major Medical Insurance and Short Term Medical Insurance.** Don’t risk going without coverage.

Meyer and Associates works with several partner companies to offer a range of health insurance options to individuals and their families. These options should be among the many you consider when purchasing health insurance.

*For 2015, the penalty is 2% of your income, or $325 per adult and $162.50 per child. In 2016, it will jump to 2.5% of your income.

**STM is currently unavailable in MA, NJ, NY, and VT.

Trip Protection

Coverage for trip interruption, lost luggage, and more

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Revenue earned through this program will help to support the alumni association.