APPLY ONLINE - Click to HCC Life Short Term Health Insurance

Short term health insurance plans typically feature lower premiums and may be the best alternative for individuals in between jobs or those not yet eligible for Medicare.

These policies provide affordable temporary health insurance and can be purchased on a month-to-month basis, up to a 6 month period.  Some of the benefits are:

• Lower Premiums
• Prevents breaks in coverage that would make you ineligible for HIPPA protection
• Typically have more exclusions than COBRA coverage or permanent policies

When you find a new job that offers health coverage, or if you are eligible for coverage under a family member's employment-based plan, HIPAA includes protections for citizens of Colorado (and all states) for coverage under group health plans that:

• Limit exclusions for pre-existing conditions
• Prohibit discrimination against employees and dependents based on their health status
• Allow a special opportunity to enroll in a new plan to individuals in certain circumstances

However, to be eligible for the protections offered by HIPAA, you should avoid breaks in health care coverage of 63 days or more.

Online Application

HCC Life Insurance Company is our top pick for a short term health insurance plan. Click to apply online or download an  HCC Life Short Term Health Insurance application.

Local Broker

Call (1-800-345-0789) or email your local Colorado broker, Michael Horvat, if you have any questions. Michael has over 28 years of experience in the health insurance industry.

How to Apply

You can go directly to HCC Life's Website, register, and apply online or download an application.

However, we recommend you run our free quote engine to get an initial cost estimate and comparison of hundreds of plans from multiple providers. You can then sort plans according to a number of variables, apply online, download an application, or have an application sent to you via mail.

Health Insurance University

Check out our Health Insurance University to get insider tips on how to apply for health insurance and get a better understanding of how to pick the best plan type- HMO, PPO, POS, Indemnity or HSA - for your unique situation.  Plus there is information on COBRA, a glossary of terms and FAQs.