High-Quality Coverage without the Marketplace Price Tag
For many of our mid-to-high income clients in Arizona, traditional Marketplace plans can be unnecessarily expensive. Short-Term Medical plans offer a flexible, budget-friendly alternative for those who don't qualify for government subsidies.
Flexible Alternatives for Healthy Individuals
PPO Network Access:
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Unlike many HMO-style Marketplace plans, short-term options often utilize large, national PPO networks. This is crucial for our 'Snowbird' clients or those who travel frequently and need coverage beyond the Arizona border.
Lower Monthly Premiums:
Because these plans are not required to cover every "Essential Health Benefit" (like maternity or mental health), the monthly costs are often significantly lower than standard plans, often 50% less for healthy individuals.
Fast & Flexible Approval:
You can often apply and receive a digital ID card within 24–48 hours. This makes them the ideal "bridge" for people between jobs, those waiting for Medicare, or anyone who missed the standard open enrollment window.
Limited Benefits & Underwriting
These plans aren't for everyone, and we want to ensure there are no surprises. Unlike the Marketplace, short-term plans use medical questions for approval and do not cover pre-existing conditions.
These plans are designed to protect you from "catastrophic" medical events rather than routine maintenance. We’ll have an honest conversation about your health history to see if a short-term plan works for your specific situation.