Does your health insurance need match any of the profiles below?

As one of the nation's leading providers of affordable, temporary health insurance, Time Insurance Company protects millions of customers from the financial hardship of unexpected illnesses and injuries. Find out how Short Term Medical can help you!

I was laid off and can't afford COBRA
Can't afford COBRA?

How Can Temporary Health Insurance Help You?

If you have lost your job and can't afford COBRA insurance, but still want protection from the financial hardship of unexpected illnesses and injuries, learn how our flexible, affordable short term medical plans can provide the right safety net for you and your family.

Short-Term Insurance Need:
Chuck lost his job and knows money will be tight until he finds a new one. He can take COBRA insurance through his former employer, but it is very expensive so he is looking for a more affordable alternative.

The Solution:
A Short Term Medical policy may be the best way for Chuck to secure his family's medical coverage and to save money vs. COBRA. Enrollment is simple and premiums are affordable. Coverage can be purchased for as few as 30 days or as long as 365* days, depending on Chuck's state of residency. He can choose his own doctors and hospitals, and can also choose to pay his premiums in monthly installments or in one single sum.

It only takes minutes to get a quote and apply online.

Note: Short Term Medical insurance is intended to cover you in the case of an unexpected illness or injury and does not cover pre-existing medical conditions. The advantage of continuing your current plan through COBRA is that any on-going treatment or medical condition may be covered without interruption. Choosing Short Term Medical coverage over COBRA may also affect your right to obtain permanent individual coverage without evidence of insurability.

* The 12-month Short Term Medical plan is not available in all states.
This website will only provide you with the ability to purchase plans available in your area.

I'm between jobs
Between Jobs

How Can Temporary Health Insurance Help You?
If you are currently unemployed, lose your job or go on strike, it's important to know that an affordable Short Term Medical insurance policy can protect you and your family from the cost associated with unexpected illnesses and injuries.

Short-Term Insurance Need:
Tim's department was reorganized and he was laid off. He is confident he will find another job, but it may take several months. He is healthy, but he does not want to be without coverage - even for a day. The COBRA insurance plan offered by his former employer will take too big a bite out of his budget. He wants a low-cost, temporary health plan that he can discontinue once his need ends.

The Solution:
While Tim searches for a new position, a Short Term Medical plan can provide a temporary safety net. Enrollment is simple and premiums are affordable. When he lands his new job, he can keep his Short Term Medical policy until his employer-sponsored health insurance starts.

Coverage can be purchased for as few as 30 days or as long as 365* days, depending on the state you live in. You choose your own doctors and deductibles. The higher the deductible you select, the lower your monthly premium will be. And the monthly payment option enables you to discontinue the plan once your temporary insurance need ends.

It only takes minutes to get a quote and apply online.

Note: Short Term Medical insurance is intended to cover you in the case of an unexpected illness or injury and does not cover pre-existing medical conditions. An advantage of continuing your current plan through COBRA may be that any on-going treatment or medical condition may be covered without interruption. Choosing Short Term Medical coverage over COBRA may also affect your right to obtain permanent individual coverage without evidence of insurability.

* The 12-month Short Term Medical plan is not available all states.
This Web site will only provide you with the ability to purchase plans available in your area.

I'm waiting for employer-sponsored coverage at my new job
New Job

How Can Temporary Health Insurance Help You?
If you're a newly-hired employee experiencing a waiting period for health benefits, then you'll want to learn how our flexible, affordable temporary medical plans can work for you.

Short-Term Insurance Need:
Dan just landed a new job at an engineering company, but his employer's group health coverage doesn't begin until he's been on the job for 90 days. For Dan, who has a young family, going without health coverage, for even one day, is too risky.

The Solution:
Dan's situation makes him an ideal candidate for a Short Term Medical plan. He can get coverage for the exact number of days he needs, and can choose to pay for his plan in monthly installments or in one single payment. Enrollment is simple and premiums are affordable.
Although Dan is eligible for federal COBRA insurance through his former company, Dan may find that Short Term Medical insurance is better for his budget. COBRA insurance is designed to prevent interruptions in health insurance, but can be quite costly. The advantage of continuing coverage through COBRA is that any ongoing treatment or medical condition may be covered without interruption.

It only takes minutes to get a quote and apply online.

Note: Short Term Medical insurance is intended to cover you in the case of an unexpected illness or injury and does not cover pre-existing medical conditions. Choosing Short Term Medical coverage over COBRA may affect your right to obtain permanent individual coverage without evidence of insurability.