SHORT TERM HEALTH PLANS

• Lower premiums — Often 50–80% less than ACA major medical plans because coverage is limited.

• Immediate enrollment — No Open Enrollment window; clients can apply any time of year.

• Fast coverage start — Many plans begin as soon as the next day.

• Flexible duration — Coverage can last from 1 month up to 3 years, depending on state rules. (Some states cap at 4 months total.)

• Useful for temporary situations — Losing employer coverage, waiting for new benefits to start, recent graduates, or anyone who missed Open Enrollment.
• Large PPO networks (varies by carrier) — Some carriers use Aetna or Cigna PPO networks,

• UnitedHealthcare focuses on medication access and broad plan variety, ranking as “best for medications.”

• Pivot Health offers the widest range of plan designs and is known for flexibility and budget‑friendly options.

• Allstate is considered stronger for people with health issues who still qualify, offering more robust major‑medical‑style protection.

ACA enrollment availability varies by state.

Short-term health insurance can be purchased at any time.

This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your Certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.

This plan has a pre-existing limitation provision that may prevent coverage from applying to medical conditions that existed prior to this plan effective date.

The information provided is for educational purposes only and is not intended as a recommendation to purchase or sell any insurance or financial product. You should consult with licensed tax, legal, or financial professionals to determine what options are appropriate for your personal situation.

Gary A Coleshill

Licensed Agent

Office: 480 856 7782 x 100

Cell & Text 480 208 4366

NPN: 6746746

gary@coleshillprotects.com