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Isaac Orraiz – Insurance Agent

Short Term Medical (STLDI)
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Bridge a gap in coverage—fast, flexible, and clearly explained

Designed to help during short gaps—like between jobs or while waiting for other coverage to begin. This is not Minimum Essential Coverage (ACA), excludes preexisting conditions, and has important limitations that vary by state.

Isaac Orraiz

About Isaac

Your trusted advisor for gap coverage

I help you understand when short-term coverage may make sense and when an ACA plan or other option may be a better fit.

Isaac Orraiz

Licensed Health-Insurance Agent
NPN: 21592068

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What is Short Term Medical?

Short-Term Limited-Duration Insurance (STLDI) is temporary medical coverage meant to last months—not years. It can help with unexpected illness or injury during a gap, but it is not ACA coverage and typically doesn’t cover preexisting conditions, preventive care requirements, or certain benefits such as maternity or mental health. Always review details in the quote flow and policy documents for your state.

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Who might qualify?

Eligibility and terms vary by state and underwriting. Generally, STM is designed for:

  • People between jobs or waiting for other coverage to start
  • Healthy applicants who don’t need ongoing care for preexisting conditions
  • Individuals who want fast effective dates (where available)
  • Those comfortable with benefit limits and potential exclusions

Short term medical is not a substitute for comprehensive ACA coverage. Read all notices and policy terms carefully.

Apply yourself

Short-term medical carriers

Prefer to self-enroll? Choose a carrier below. If you want guidance at any step, I’m here to help.

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Common Questions

No. STM is not Minimum Essential Coverage and does not include ACA protections or essential health benefits.