STM is a flexible and temporary health insurance plan.
Also called Short-Term Limited Duration Insurance (STLDI).
Typical Covered Services
(Vary by Carrier)
Unexpected illnesses & injuries
ER visits
Hospital stays
Surgeries
Doctor visits
Lab work & diagnostics
What it does NOT cover
Pre-existing conditions
Preventive care (wellness and screenings)
Maternity and newborn care
Mental health and substance abuse
Prescription coverage varies and is limited by carrier.
Underwriting
STM plans are medically underwritten.
Applicants with health conditions may be declined
May get a higher premium based on health
No ACA protections apply
State Policy Duration Examples
Alabama – 12 months
Florida – 12 months
Georgia – 12 months
South Carolina – 12 months × 3
North Carolina – 3 + 1
Who do STM plans work for?
People between jobs who lost coverage
Recent graduates / college students
Individuals that can’t afford ACA
Individuals needing short-term gaps filled