Health / ACA
Marketplace & subsidies
Affordable Health Insurance Plans Tailored for You & Your Family
Compare Marketplace (ACA) & Short-Term Medical options. Get real-time savings estimates. Bundle your plan with dental, vision, and critical illness coverage.
Short-Term Medical Insurance: Fast, Flexible, and Affordable
Temporary coverage that fits your life changes, ideal for gaps between jobs, waiting for open enrollment, or sudden needs.
We serve families & businesses in
GA
AL
AZ
FL
IL
LA
MD
MI
MS
MO
NJ
NY
NC
OH
SC
TN
TX
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Health Insurance Options We Offer
Marketplace (ACA) Health Insurance
Short Term Medical Insurance
What is Short-term Medical Insurance
Short-Term Medical Insurance (STM) is temporary health coverage designed to protect you during gaps when you don’t have major medical insurance. Think of it like a bridge plan: it doesn’t replace long-term insurance, but it keeps you from being totally exposed if something unexpected happens
What it Doesn't Do
Doesn’t cover pre-existing conditions.
Usually excludes maternity, preventive care, mental health, and prescriptions (unless you add riders).
Not ACA-compliant (so no subsidies, and it doesn’t count toward avoiding penalties where applicable).
Why Choose Short-Term Medical Insurance
A smart, budget-friendly solution for life’s in-between moments, fast coverage when you need it most.
Affordable Plans
Lower monthly premiums than traditional health insurance coverage.
Flexible Duration
Choose coverage lengths ranging from 30 days up to 364 days.
Quick Enrollment
Apply online and get coverage in just minutes.
Emergency Protection
Covers sudden accidents, urgent care, and unexpected illnesses.
Who Needs Short-Term Medical Coverage?
Real talk: STM is a temporary safety net when life leaves you between plans. Click a tile to see what fits your situation.
You’re Between Jobs or Waiting for Benefits
Gap of 30–90 days before new coverage starts? Don’t roll the dice.
Click to see details
- Employer plan ended; new plan hasn’t kicked in yet.
- STM helps cover surprise ER/urgent care bills during the gap.
You Missed Open Enrollment
No qualifying life event? STM can be purchased anytime.
Click to see details
- ACA marketplace is seasonal; STM isn’t.
- Apply year-round when you need temporary coverage.
You’re Waiting for Medicare or Employer Coverage
Early retiree or start date pending? Bridge the months without overpaying.
Click to see details
- Protects you until Medicare Part A/B or employer benefits begin.
- Often cheaper than full private plans for a short window.
You Need Affordable, Temporary Protection
Lower premiums than major medical—meant for short stints.
Click to see details
- Great “better-than-nothing” safety net for big, unexpected events.
- Not designed for long-term or comprehensive care.
You Want Flexibility
Pick 30, 90, or up to 12 months (state-dependent). Cancel when you’re set.
Click to see details
- Terms vary by state; some allow stacking/renewals.
- End it once traditional coverage starts again.
You’re Healthy & Want “Catastrophic” Coverage
Rarely see the doc? Keep protection for big emergencies.
Click to see details
- Covers sudden illness/accidents without full ACA costs.
- Good fit if you mainly want financial backstop.
How Short-Term Medical Works
Three quick steps. Fast coverage when you need it.
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Check Eligibility & Coverage Needs
Tell us your age & state, pick a start date, and confirm STM fits your situation
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Compare Plans, Deductibles & Networks
See premiums, copays & coinsurance; check providers; add optional benefits
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Enroll & Get ID Cards
Complete a quick application, choose an effective date (as soon as tomorrow), access your ID card
Understanding Key Health Insurance Terms
Get the Most Out of Your Coverage Bundle Add-Ons for Total Protection
Save when you combine health insurance with dental, accident, vision, disability income, and more.
When life throws the unexpected your way, your health plan shouldn’t leave you with a stack of bills. Our supplemental insurance bundles give you cash benefits directly to you so you can focus on healing, not expenses.
Hospitalization Insurance
Pays YOU cash when you’re admitted to the hospital
Up to $2,000 per day for hospital stays use for rent, food, travel, or medical bills
Accident Insurance
Pays a lump sum for covered accidents like fractures, burns, or ER visits
Get up to $20,000 depending on injury severity
Critical Illness Insurance
One-time cash payout if diagnosed with serious conditions like cancer, heart attack, stroke
Up to $100,000 to help you recover without financial stress
Dental & Vision Insurance
Routine cleanings, X-rays, exams, glasses, and contacts
Save on preventive care & eyecare with network discounts
Disability Income Insurance
Replaces a portion of your income if illness or injury keeps you from working
Monthly income payments to help cover living expenses
Get the Most Out of Your Coverage Bundle Add-Ons for Total Protection
Save when you combine health insurance with dental, accident, vision, disability income, and more.
Hospitalization Insurance
Pays YOU cash when you’re admitted to the hospital
Up to $2,000 per day for hospital stays use for rent, food, travel, or medical bills
Accident Insurance
Pays a lump sum for covered accidents like fractures, burns, or ER visits
Get up to $20,000 depending on injury severity
Critical Illness Insurance
One-time cash payout if diagnosed with serious conditions like cancer, heart attack, stroke
Up to $100,000 to help you recover without financial stress
Dental & Vision Insurance
Routine cleanings, X-rays, exams, glasses, and contacts
Save on preventive care & eyecare with network discounts
Disability Income Insurance
Replaces a portion of your income if illness or injury keeps you from working
Monthly income payments to help cover living expenses
Why Bundle?
Extra coverage when your health plan stops short
Cash payouts to help with rent, bills, or recovery
One application, multiple protections
Significant savings when bundled with your core health plan
Call to ACTION
Compare ACA and short-term plans side-by-side
Premiums
Deductibles
Out-of-pocket costs
Find out if you qualify for $0–low-cost premiums based on your income & household size
Know Your Enrollment Windows
Getting the right health coverage starts with knowing when you can enroll.
At OnePoint Insurance Agency, we guide you through your options whether you’re enrolling for the first time, switching plans, or qualifying due to a life change. Here’s how to take action based on your eligibility:
Open Enrollment (Nationwide)
🗓 Nov 1 – Jan 15
Open Enrollment (Nationwide)
🗓 Nov 1 – Jan 15
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Learn About Coverage
ACA vs Short Term
Understand what’s right for your life
Compare Plan Types
How Enrollment Works
Step-by-step Marketplace guide
See Enrollment Timeline
Using Your Plan
Avoid bills & get the care you need
Health Plan Tips
Learn About Coverage
ACA vs Short Term
Understand what’s right for your life
Compare Plan Types
How Enrollment Works
Step-by-step Marketplace guide
See Enrollment Timeline
Using Your Plan
Avoid bills & get the care you need
Health Plan Tips
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Frequently Asked Questions (FAQs)
What is short-term medical insurance?
Short-term medical (STM) is temporary health insurance that provides coverage for unexpected illnesses or accidents during gaps in regular coverage. It’s not ACA-compliant and is designed for short-term needs.
Who should consider short-term coverage?
STM is ideal for people between jobs, waiting for employer coverage to start, early retirees, recent graduates, or anyone who missed Open Enrollment and needs affordable protection.
How long can I keep short-term health insurance?
Plans typically last 30 days to 12 months (depending on state regulations). Some carriers allow renewals, but coverage isn’t meant to be permanent.
Does short-term insurance cover pre-existing conditions?
No. Pre-existing conditions are almost always excluded (usually with a 2–5 year lookback period).
What’s covered under short-term plans?
Doctor visits, emergency room care, hospitalization, surgeries, lab tests, and some prescription benefits (depending on the plan).
What isn’t covered?
Pre-existing conditions, preventive care, maternity, mental health services, and many prescriptions are not covered. Always review the policy details.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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