Tony Novak profile picture
  "AskTony" column archive        


Most Popular

AskTony Archive

This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

New questions

Submit consumer finance questions at and health insurance questions at

Sponsored by: Insurance Exchange - your source of valuable information on state and federal health reform benefits.

Core Health Insurance - America's favorite mini-med insurance  with affordable premiums, freedom to choose providers, optional PPO discounts and guaranteed eligibility regardless of medical conditions.

Please support the Web sites that make publication of AskTony services possible.

Details of American Health Shield

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: Before I enrolling American Health Shield insurance, I would like a brochure for further information on this health plan

A: This information is all available online from . This is the most popular short term health insurance at for younger applicants because of the discount pricing for that age group. The brochures are available in PDF format at . A sample policy certificate is available at\american health shield sample certificate.pdf . This is a generic multi-state policy that may not contain all of the state-specific provisions applicable in your state. An article about new low cost policy options for American Health Shield policies is now at . American Health Shield insurance is available only to U.S. citizens. Other short term medical insurance plans including insurance for non-U.S. citizens can be found at . This is a simple “plain vanilla” health insurance policy cloned from the largest plan of this type. This health plan specifically targets younger applicants by undercutting the rates of competitors. EDITOR'S NOTE: In January 2006, this policy was removed from the market and replaced with "SIMPLE STM". The "American Health Shield" brand may return in the future. Details are posted at


More resources:

http://FreedomBenefits.netAmerican-Health-Shield-Short-Term-Health-Insurance.htm article: "American Health Shield Insurance Adds New Low Cost Health Insurance Options"