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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.

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Short term health insurance denied

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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

Q: Why was my application for short term health insurance not approved even though I have no health problems?

A: Certain states, including yours, have laws that prohibit individuals from staying too long on a short term health insurance policy. The work-around is simple – just visit , select your state page, and pick another short term medical insurance company. Pricing and benefits are similar between companies and there is no restriction on individuals who change insurance companies. The next time you need coverage you will probably be able to go back to the first insurance company. While many people use multiple consecutive short term medical insurance policies because of the low cost, consider switching to a longer term policy if you expect long term need or suspect that you may have trouble with pre-existing medical conditions. Short term health insurance gives a “certificate of creditable coverage” to ensure coverage for pre-existing medical conditions on a new plan in the future (assuming the new plan offers this coverage) but a few high-risk state plans do not recognize this insurance for eligibility for immediate coverage of pre-existing medical conditions. In short, this strategy saves money but there could be some risk. Short term medical insurance is now renewable for up to 36 months if necessary in most states. See the "Secure STM" brand at for this longer policy option.


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