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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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Short term medical insurance

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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: Do you have any coverage for a single unmarried female, 22 yrs old. It is for my daughter, she is in excellent health & a full time student. She would need coverage for 2 years, but if we had to do it 6 mos. at a time that would be fine.

A: This sounds straight-forward; did you see the "Secure STM" or "American Health Shield" at Both are reliable health insurance policies that offer online pricing and enrollment. At her age, the premium cost will be very reasonable. The American Health Shield is least expensive and therefore the most popular choice, but the Secure STM offers a renewable version that can last up to 36 months.


More resources: Low Cost and Short Term health insurance listings