Short-Term Health Insurance

Forbes Magazine named HCC Insurance Holdings among top five insurance to thrive in current global economy. They are rated AA (Very Strong) by Standard and Poor's and A+ by A. M. Best. They have 39 years of experience in domestic and international medical and travel coverage world-wide.

When you need health insurance and you need it now we can help. The short term coverage on this page can be effective as soon as midnight the day that it is submitted. You will need to use an online app and pay with either a credit card or by letting them debit your checking account. You will need about 20 pages in your printer so you can print your own policy when you are finished. Instructions will be e-mailed to on how to print your own insurance card.

Some individuals have a need for health insurance due to a loss of a job or coverage from when they leave their group and prior to their new group coverage is effective. We have individuals that use short term coverage in place of individual coverage on a long term basis. I honestly do not endorse that approach because every short term plan has limitations with preexisting conditions. There is a $25.00 application fee for every application.

Currently, in Illinois, we can offer only a 90 day plan not the 180 or 360 day plans that we used to be able to offer. The Department of Insurance has placed limitations on every company.

We currently offer three plans through IHC Group.

Connect Value: This is a basic plan with limited benefits. I personally do not recommend this plan for active individuals. It has a maximum of $1,000,000 of coverage and a choice of $1,000, $2,000, or $4,000 deductibles and a co-pay limit of 20% or the next $10,000 or $20,000. The higher the deductible and co-pay equals lower premiums per month.

Connect STM: This a good plan with much fewer limitations. The deductibles offered are $2,500, $5,000, and $10,000 with co-pay of 20%, 30% or 50% of the next $20,000 with a maximum of $2,000,000.

Connect Plus: This is the one plan that has some coverage for preexisting conditions. $25,000 is the maximum covered. This plan has a $5,000 or $10,000 deductible and a co-pay of 30% or 50% of the next $20,000.

All three plans have a single doctor visit per 30-90 day term. I have included a PDF with a side by side comparison of all three plans as well as PDF’s of all three plans. Please read to see which plan would work for you.

To apply just click.

If you have problems applying call (815) 626-6445 and we will see if we can resolve that problem.

Please note: We do not collect any information about you or your application and the Company does not transmit a copy of your app to us. All is private and confidential.