Connecticut Short Term Health Insurance - Guaranteed Lowest Rates

The HCC STM is the only short term plan available in CT at this time.

Apply in Less Than 10 Minutes with Instant Approval & Get Covered as Early as Tomorrow!

Get a Free Rx, Lab & Imaging Savings Plan When you apply through this site More Info

1 Compare Plans 2 Get Instant Online Quotes 3 Apply Online, By Mail, Fax or Phone

Connecticut Short term health insurance coverage protects you in the event of an unexpected illness, accident or injury. Coverage is available for 30 days to 6 months in Connecticut. All of the plans (except for Golden Rule) allow you to use any doctor or hospital. Child only coverage is available. All quotes and applications are processed directly through the insurance company's. Most plans do not require a Social Security Number when applying. All short term health insurance plans have monthly or single payment options. Choose the monthly payment option if you are unsure how long you will need coverage. All plans are Rated A-Excellent or better by AM Best. Please Call 1-800-544-9505 if you need help choosing a plan or have any specific needs.

All application or administrative fees are charged by the insurance company.

This is a brief overview of how Connecticut short term plans work and how each plan is different. Short Term Health Insurance will cover you if you become ill, have an accident or injury. Coverage includes doctor office visits, inpatient and outpatient hospital, surgery, transplants, x-ray, labs and more. Most plans allow you to choose any doctor or hospital. Many also have PPO network options you can use for extra savings. Coverage can begin as early as 12:01AM tonight. You can also choose a later date. Completing the application takes less than 10 minutes. Most plans have instant online approval if you are eligible. If you can answer NO to the few medical questions you are eligible and the policy is approved. You can apply and pay for your plan online, by mail or fax. Most plans have a 10 day free look period and you can cancel the plan for any reason for a complete refund of the premium. The refund policy may vary by state.

Deductibles and Co-Insurance - If you become ill, have an accident or injury, payments are made according to the deductible and co-insurance that you choose. First you would pay your deductible and then the co-insurance starts. Co-insurance is the amount you are required to pay for medical care after the deductible has been met. The Co-insurance rate is expressed as a percentage and there is a dollar limit. For example, the insurance company may pay 80% of the covered claim, and the insured pays the remaining 20%. This would be called 80/20. If the limit is $5,000, then the insurance company would pay 80% and you would pay 20%. After this, the insurance company pays 100% up to the policy limits. It pays to know what your co-insurance limit is.

Example: - Marc purchased a Short Term Medical plan with a $1,000 deductible and 80/20 Co-insurance (with a $5,000 co-insurance limit).

Marc falls off the roof and breaks his leg. The total medical bill is $15,000. First Marc would pay his $1,000 deductible. Next John would pay 20% of the next $5,000 (the $5,000 is the co-insurance limit) and the insurance company pays 80%. After this, the insurance company pays 100% of the medical bill according to the policy limits.

Marc's total out of pocket: $1,000 deductible + $1,000 for the co-insurance = $2,000

The remaining $13,000 is paid by the insurance company.


Every Plan includes a FREE Rx, Lab and Imaging Plan when you apply for your short term health insurance through This plan is designed to save you money on your out of pocket expenses. We make these plan available to all of our customers. The savings plans are not part of the insurance policy or associated with any of the insurance companies we represent. More Info

Plan 1: HCC Short Term Health Insurance (Underwritten by HCC Life Insurance Company - Rated A+ Superior by AM Best)
Plan Name Policy Medical Limits Deductible Options Co-Insurance Options Coverage Length
HCC Short Term Health Insurance - Get a Quote $2,000,000/Person $250 to $7500 After you pay your deductible, the plan pays 80% or 50% of the next $5,000 and then 100% up to $2,000,000 30 Days to 6 months
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Use any doctor or hospital.  Includes inpatient Rx coverage. $50 Co-pay (deductible waived when using a urgent care center). Single payment discounts available. Available to both U.S and Non-U.S citizens residing in the US. Application Fee $0.

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HCC Life STM / STM Complete - Short Term Medical plans have excellent benefits, low out of pocket costs, and the rates are very affordable. The short term coverage includes a $2,000,000 lifetime maximum per person. The deductible options range from $250 to $7,500 and the Coinsurance option of 80/20 keeps your out of pocket cost at $1,000 plus the deductible. The HCC STM is one our our most popular short term plans - Run a quote and you will see how affordable it is!

HCC Short Term Medical Insurance features include


Pays up to $2,000,000 Lifetime Maximum per Covered Person


Choice of Coverage Periods - 30 days to 6 months or 11 months


Use any doctor or hospital. Save more by using a network provider


Choice of Deductibles - $250, $500, $1,000, $2,500, $5,000 or $7,500


Coinsurance options - The Insurance company pays 80% or 50% of the $5,000 limit


When using a Urgent Care Center, the deductible is waived and you pay a $50 copay


Choose a monthly plan or choose the single payment option for additional savings


Child Only Coverage is available - the minimum age is two years old


Free Look Period ensures your satisfaction with a 10-day money back guarantee

HCC Short Term Coverage is ideal for those who are


Between jobs or laid off


Waiting for employer benefits,


Part-time or temporary employees


College Student or recently graduated


Finding COBRA insurance unaffordable


Without adequate health insurance



If you have any questions about the CT short term health insurance plan, Call 1-800-544-9505