Short-term medical quotes through Allstate Health Solutions—secure, fast, and built for real life between plans
Explore temporary coverage options in a guided enrollment experience. Products, underwriting companies, and plan names vary by state; this is not Minimum Essential Coverage (ACA). Benefits, exclusions, and eligibility rules are shown in the official quote and policy documents—review them carefully before you enroll.
Start your secure quote & enrollment
National General enrollment site · Same type of flow licensed agents use
Allstate Health Solutions short-term medical overview
Training video on plan designs, networks, and benefits (English audio). Spanish subtitles are available in the player when you choose Español.
Short-term duration overview
Federal STLDI duration rules (illustrative)
For policies sold or issued on or after Sept 1, 2024, federal rules cap the initial term and total duration—including renewals—for Short-Term Limited-Duration Insurance.
Illustration only—not a guarantee of your effective dates, renewals, or state-specific rules. Your quote and issued policy describe what applies to you.
Why this matters
Short-term plans are designed as a bridge—not a substitute for comprehensive ACA coverage.
Use the chart as a mental model for how federal duration limits can shape real-world planning. Always confirm term length, renewal options, and state filings in your official materials.
Why families use this enrollment path
Recognizable health brands
Allstate Health Solutions connects you to products backed by carriers consumers know—so you can shop with confidence while you read the fine print.
Built for self-service
Enter a few details, compare what is available in your area, and move at your own pace—ideal when you already know you need a short bridge.
Transparent trade-offs
Short-term coverage can cost less up front, but it is not ACA major medical. The quote highlights limitations so you can decide with eyes open.
Licensed support when you want it
Prefer a second opinion? Isaac Plans can walk through alternatives like Marketplace coverage or supplemental plans that pair with your main insurance.
Ready to see pricing for your ZIP code?
No fees from this page—just a direct path into the same secure enrollment flow agents use.
Open secure quote & enrollmentEnroll in three straightforward steps
Tell the system who needs coverage
ZIP code, household, and effective date help match you to filed products in your state.
Compare plans and riders
Review deductibles, networks, and optional add-ons. Read every notice—especially if you rely on ongoing care.
Apply and save your documents
Submit through the secure National General enrollment experience and keep a copy of your disclosures and confirmation.
Short-term vs. comprehensive major medical
Illustrative comparison—your actual choices depend on state rules and what is filed for sale.
Many people use STM when they need fast protection for a short window; others need Marketplace or employer coverage for long-term protections and preexisting-condition rules. This page helps you start the right conversation.
A enrollment experience designed to be clear
Allstate Health Solutions brings together trusted carriers and digital tools so you can quote and enroll without guesswork—while still reading every disclosure that applies to your state.
Availability & underwriting
Products may be underwritten by National General Insurance Company or other eligible companies in the Allstate family, depending on state and plan. Not all products are available in all states; eligibility and pricing are subject to underwriting.
Enrollment guidance
When short-term often fits
- You are between jobs and need coverage quickly
- You missed Open Enrollment and do not qualify for a Special Enrollment Period
- You want a temporary bridge while evaluating long-term options
What STM typically does not mirror
- ACA preexisting-condition protections
- Full essential health benefits like long-term maternity or mental health parity in the same way as Marketplace plans
- Unlimited renewability like guaranteed-issue major medical
Before you submit
- Confirm whether your doctors or facilities participate for the plan you select
- Choose a deductible you could pay if you had a bad year
- Ask whether hospital indemnity or other supplemental coverage should sit alongside STM
Questions before you start?
Is this the Affordable Care Act (ACA) Marketplace?
Are preexisting conditions covered?
Why does the URL mention National General?
Can I complete this on a phone?
Products & issuers: Coverage may be issued by National General Insurance Company or other eligible underwriting companies, depending on product and state. All product names, benefits, and availability are subject to state approval and may change.
Not Minimum Essential Coverage: Short-term limited-duration coverage is not ACA Minimum Essential Coverage. It may exclude preexisting conditions, impose waiting periods, and include annual or lifetime dollar limits on benefits.
Enrollment link: By using the enrollment link you leave IsaacPlans.com and transact directly with the carrier’s authorized enrollment site. Carrier terms, privacy policies, and licensing disclosures apply.
This page is general information and not an offer of insurance. For advice about your specific situation, consult a licensed agent and review all plan materials.