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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.

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Lower rate for short term medical

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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: How do I renew a short term medical insurance policy that expires December 31? This policy was much cheaper than others so I want to keep it as long as I can.

A: Simply go online at to take out a new policy since these policies cannot be changed after they are issued. Short term medical insurance policies are generally available in lengths of one month or longer and some policies can be renewed up to a maximum of three years before it is necessary to apply for a new policy. You can lock in a lower rate by requesting a new policy date of December rather than January 1 since rates will be higher next year.


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