US Short-Term Medical Plan

Temporary insurance for US citizens domiciled in the US

One of the most effective ways to bridge unavoidable gaps in coverage is with short-term or temporary medical insurance. Temporary health insurance provides major medical benefits for those who need flexible and affordable domestic insurance coverage or are looking to fill any short-term gaps in coverage.

This type of coverage is best for:

  • Individuals waiting to enroll in ACA-compliant plans
  • New employees waiting for group benefits
  • Individuals between jobs
  • US citizens returning from living abroad or returning to the US for a visit
  • Retired individuals (under 65) waiting on Medicare
  • Recent US immigrants
  • Recent college graduates

HCC Life Short Term Medical

HCC Life Short Term Medical is temporary health insurance for individuals under age 65 looking for coverage for themselves or their families during life's many transitions. With an HCC Life Short Term Medical policy, you choose the coverage that fits your needs or the needs of your family. You select the deductible, coinsurance, and length of coverage. Coverage is available for periods of 30 days up to 6 months or, in some states, up to 11 months.

HCC Life's short term medical insurance is backed by the financial stability of its parent company, HCC Insurance Holdings, Inc. (NYSE: HCC). HCC Life holds a financial strength rating of AA (Very Strong) by Standard & Poor's and Fitch Ratings and A+ (Superior) by A.M Best Company.

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