STM plans are designed to provide temporary health coverage during unexpected gaps in coverage, with coverage starting as early as the next day. These plans do not meet the 10 minimum essential coverage requirements under the Affordable Care Act (ACA), and may result in a tax penalty. Most STM plans do not cover pre-existing conditions.
Who should consider a Short Term Medical Plan, people who are:
– in-between jobs or waiting for benefits to start a new job
– without health insurance because they missed the ACA open enrollment period and are not eligible for a special enrollment
– college student looking for a couple months of coverage
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If you are interested in this item and have some questions, feel free send an inquiry.
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