Top 5 Short Term Health Insurance Plans

Finding the Right Fit

Finding the right fit for short term health insurance can be difficult. The main problem is finding a website that has actual helpful information. That’s why we, at Health Benefits Connect, aim to be different. Our main focus is to provide beneficial information that helps you find the best short term health insurance plan for your family’s specific needs. 

We’ve created a list of the Top 5 Short Term Health Insurance Plans based on a range of different factors.  We compared the rates and benefits of each plan. We looked at which plans have the widest network of doctors and hospitals. We took into account how easy or difficult it is to work with each company, as that generally indicates how easy or difficult it is to get claims paid. We also looked at online reviews, but we gave more weight based on the feedback of our own current customers.

All in all, we did not take this assignment lightly. As always, our goal is to provide our customers with the necessary health insurance information they need to find the right fit. Keep in mind that the list below represents the top 5 Short Term Health Insurance Plans according to our professional opinion. We have many other options that may be a better fit for your family’s specific situation. The best way to find out is to speak with one of our licensed insurance agents by calling 866-966-9868.


1. Choice Advantage STM


Even though the Choice Advantage STM plan is one of the newest plans on the market, it’s already becoming one of the most popular plans. Our customers love Choice Advantage STM plans because of their unique plan designs. You are able to customize your plan any way you need, based on the specific needs of your family members, hence the name Choice Advantage STM.

Some of the key features of Choice Advantage STM plans include an annual wellness doctor visit with a $50 dollar copay, regular doctors office copays ranging from $25-$40 dollars, a discount prescription card, optional Teledoc coverage for virtual doctors appointments, and of course hospitalization coverage for both in-patient and out-patient visits. Choice Advantage STM plans also offer flexible coverage that can last anywhere from 30 days to 36 months. 

Another reason Choice Advantage STM plans are already one of the best short term health insurance plans is because the rates are very competitive. Our customers are usually looking for a great deal, and Choice Advantage STM plans definitely fit the category. For all of these reasons, we think Choice Advantage STM plans are the #1 short term health insurance plan on the market.


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2. NatGen STM 


National General Short Term Medical plans provide financial protection for your family’s health. Not only does National General provide great insurance benefits, but they also provide great customer service. Our customers have consistently provided positive feedback about the high level of customer service they receive from National General. 

Another key feature of National General STM plans is that they use the Aetna Signature PPO network of doctors and hospitals. The Aetna network is one of the most widely accepted networks in the country, so our clients are able to find in-network providers no matter where they are. 

The combination of low rates,  great customer service, and a widely accepted network makes National General STM plans the #2 rated plan on our list of the Top 5 Short Term Health Insurance Plans.

National General STM


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3. AdvantHealth STM


AdvantHealth STM plans are #3 on the list of the Top 5 Short Term Insurance Plans because they offer unparalleled flexibility in health insurance benefits. You can choose from a wide variety of plan types, deductibles, co-insurance limits and copayments. AdvantHealth STM plans truly let you design the type of coverage that suits your needs, allowing you to save money by not paying for benefits that you may never use. 

AdvantHealth STM plans offer month-to-month coverage solutions in term increments of 1-12 months, depending on your location. However, you can get insurance coverage for up to 3 years, and you can cancel anytime if you no longer need coverage. Many people, including students, early retirees and people between jobs have found that AdvantHealth STM plans can be a life-saving bridge to future health insurance coverage. To find out more about the AdvantHealth STM plans, please click the link below.


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4. United Healthcare STM


United Healthcare has been a trusted name in the health insurance industry for decades, and the United Healthcare brand is almost universally recognizable. The UnitedHealthcare PPO network of doctors and hospitals is one of the largest networks in the United States. Another reason United Healthcare STM plans are one of the top plans is due to the ease of use. Our customers find the plans easy to use and understand. This comes as no surprise as UnitedHealthcare has been offering short term health insurance for over 30 years.

The major downside to UnitedHealthcare short term health insurance plans, is that they tend to be priced on the higher end of comparable short term health insurance options. Not to say that the plans don’t provide value, they do. The point is that UnitedHealthcare STM plans would otherwise be rated much higher on our list if the monthly cost was more competitive. For all of these reasons, UnitedHealthcare STM plans are #4 on our list of the Top 5 Short Term Health Insurance Plans.

National General STM


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5. IHC Group STM

The biggest reason short term health insurance is less expensive than Obamacare plans found on the Healthcare Marketplace, is because short term medical plans don’t provide coverage for pre-existing conditions. However, The IHC Group has created a product called the Connect Plus STM that provides specific coverage for pre-existing conditions, on top of the already benefit-rich plans. The Connect Plus STM  has a wide range of deductible choices and benefit designs. Many customers have found that the Connect Plus STM plan is the perfect fit because the high level of coverage you get for the monthly cost.

Our customers also love the Connect Plus STM plan because of The IHC Group’s high level of customer service. They are very easy to work with and to get ahold of. For these reasons, the Connect Plus STM plan from The IHC Group is the #5 plan on our list  of the Top 5 Short Term Health Insurance Plans.

IHC Short Term


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Short Term Health Insurance Plans

Choice Advantage

AdvantHealth STM


NatGen STM

Aspen STM



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