IHC Short-Term Insurance Plans provide coverage during life transitions. When you are between group insurance or individual major medical policies, short-term insurance helps pay for covered medical expenses due to unexpected illnesses or injuries. Covered expenses include diagnostic physician visits, emergency room treatment, hospital stays, surgery, intensive care and more.

In general, a Short-Term health insurance premium is significantly less than that of an ACA plan. For some people, this is one of the most important factors in choosing what’s affordable health insurance to them. But premium shouldn’t be the only cost consideration.

• With an ACA plan, you may be eligible for tax credits or subsidies for which a Short-Term health insurance plan does not qualify. That won’t make an ACA plan anyone’s idea of cheap health insurance, but it may move the price of the plan much closer to your budget.
• Since a Short-Term insurance plan isn’t required to include the 10 essential health benefits defined in the ACA, you can choose a less expensive plan that offers less coverage.
• An ACA plan covers preexisting conditions, but with a Short-Term plan, you should expect to pay the costs related to preexisting conditions without coverage.

What is the IHC Marketplace?

The IHC Group has created a short-term medical quote engine called the IHC Marketplace. To run short-term medical quotes with IHC Group, please visit the IHC Marketplace. 

At the IHC Marketplace, you can also run free quotes for all IHC Group health insurance products, including dental and vision insurance.