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For Individuals

We offer many individual health plans options to select from. We offer plans that are customized to suit your budget and needs. You can choose from a pool of affordable insurance options from top carriers in the country. With individual insurance, you can access preventative health care and save money on prescriptions and doctor’s visits. Get a customized individual health insurance plan in just a few clicks!

For Families

Finding the right insurance for your family is one of the most important decisions you can make. We offer a wide range of affordable insurance plans from leading insurance firms from which you can choose. Finding the ideal family insurance plan for your loved ones does not have to be complicated. We offer customized quotes that suit your family needs and budget. Fill in the form to get your customized quote!

For Groups

Health Insurance Plans offers a wide array of group health insurance options for both small and large companies. We customize our products to meet the needs of your business and help you find an insurance plan that is both cost effective and prioritizes the wellbeing of your employees. Make the most of the numerous, affordable and top group health insurance plans. Get your quote from Health Insurance today!

The Best Temporary Health Insurance Providers Of 2020

short term insurance 2020
Temporary health insurance plans are supposed to be utilized when having a temporary gap within the insurance package. Perhaps you are no longer qualified for a group insurance plan, and you lost a job, find the price of COBRA plans too high, or aren’t allowed for a unique registry in an Affordable Care Act (ACA)-compliant program and can not do anything but wait for the next enrollment program.

Many individuals get into temporary health insurance, thinking it’s a cheaper choice than an ACA marketplace plan. The issue with STM plans is many limitations and exclusions; they may not cover essential advantages or have high copays, restrictive maximum limits or deductibles, or no insurance for pre-existing settings.

There being many limitations and variances among plans, it’s essential to be careful when purchasing an STM policy. Ensure you know what is insured, what isn’t, and the period it will cover you.

We went through STM plans for a couple of the states’ biggest health insurers to see ones with the best options. You can choose if an STM policy is perfect for you and perfect for your specific wants.

The Best Temporary Health Insurance Providers of 2020

  • Best for Mental Health and Wellbeing was Life Shield
  • The best Value was Pivot Health
  • Best for Tailored Coverage was IHC Health Group
  • Best for lasting Policy Choices was UnitedHealthcare
  • The best overall was Everest

The Best Overall (Everest)


  • They don’t confine you to a network
  • It has discount plans
  • It has low copay and coinsurance choices
  • It has a wellness advantage
  • It has mental health, drug abuse benefits, home health care, and physical therapy


  • Prescriptions aren’t insured
  • Pre-existing conditions aren’t insured
  • Other cities need a membership to (MSGA)
  • Not found In every state

short term insurance

Since 1973 Everest has been underwriting insurance. They have a Moody’s insurance financial capability rating of A1 with different policy categories on the market, including specialty, accident, property, casualty, and health insurance. They give policies to 25 cities in the U.S.

The charges priced from $106 monthly up to $191 monthly when we quoted a non-smoker in good health, a female of 27 years, regarding Everest’s temporary health coverage plans. These quotes had a wellness advantage to take care of preventative treatment.

STM other features are:

  • Deductibles of $1,000, $2,500, $5,000, $7,500, or $10,000
  • Out-of-pocket maximums of $2,000, $3,000, or up to $4,000
  • Maximum coverage benefits from $250,000 to $1,500,000
  • Coinsurance options are 50/50, 70/30, 80/20, or 100/0 with copays of $30, $40, or $50

Emergency insurance starts the following day when you qualify, and for the routine wellness benefit, there will be a 5-day waiting period—cancer benefits (cancer must be recently diagnosed 30 days after plan begin date).

There are a 30-day waiting period and a six-month waiting gap for certain other insured services, like herniorrhaphy, tonsillectomy, and others. Although it does provide discount cards, Everest doesn’t offer insurance for prescriptions.

Why We Chose It: We took Everest as the best generally for mental disorder care, emergency care, and containing the most dynamic doctor visit coverage that includes wellness visits, reasonable prices, and its low deductibles.

Best for Tailored Coverage: IHC Health Group


  • Pre-existing conditions covered on some plans up to $25,000
  • Lifetime maximums up to $2,000,000
  • Some plans have routine check-ups
  • Choices of using your doctor in- or out-of-network
  • X-rays and some other diagnostic exams not left out


  • Some plans have high deductibles before you can access insurance
  • Highly tailored plans may exclude a lot of coverages
  • Some programs have high deductibles before you can get coverage
  • May be needed to sign up for Communicating for America (CA)
  • Sport-related wounds not insured

united healthcare short term insurance

The IHC Group is a group of coverage companies functioning within 23 states, not forgetting member insurers like Independence American Insurance Company, Madison National, and standard security life.

Some states need membership in Communicating for America, a national non-profit organization whose purpose is to promote health and well-being through member benefits. Depending on where you stay, the policy will be services by one of these companies.  The IHC group gives plans in 19 to 35 states, according to the project.

References and Resources

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The process was easy and seamless. My contact person was very supportive and patient with me. He took time to respond to all my queries, and explained the options at my disposal. I got all the information I needed to choose and sign up for my current insurance plan. I would definitely recommend National Health Connect!
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