Short-Term Medical Insurance
Short-Term Medical (STM) insurance provides temporary health coverage for individuals and families who need protection during a gap in comprehensive health insurance. Coverage duration and availability vary by plan and applicable regulations.
These plans can offer flexible coverage periods, a range of deductible options, and access to broad provider networks depending on the plan selected.
Because STM plans are medically underwritten and are not ACA-compliant, coverage limitations and exclusions may apply. Aura helps you understand both the benefits and limitations before deciding whether short-term coverage is appropriate for you.
FLEXIBLE COVERAGE
Designed for temporary gaps in health insurance, including certain employment or coverage transitions.
AFFORDABLE OPTIONS
For eligible applicants, STM may provide lower-premium alternatives with different deductible and benefit options.
UNDERSTAND THE DIFFERENCES
STM plans are not ACA-compliant and may exclude pre-existing conditions or limit certain benefits. Aura will help you understand exactly what you're considering.