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Protect yourself for unforeseen and unexpected accidents.

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For those who missed open enrollment and without a qualifying event.

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Length of coverage from 1 up to 36 months in some states.

Frequent Questions


Who is short-term health insurance good for?

Short-term health insurance was designed to provide coverage for people who are in between coverage options, are exempt from the mandate to buy insurance, or want catastrophic health coverage outside of open enrollment. Short-term coverage does not prevent you from having to pay the fee for not having long-term health insurance coverage (Obamacare), but it does protect you and your family against the crippling debt that medical costs can have on the uninsured. read more

What are the typical reasons that people get short-term health insurance?

  • Between jobs
  • Waiting for employer group coverage to start
  • Waiting for Marketplace coverage to start
  • Traveling outside of network area
  • A recent college graduate
  • A temporary or seasonal employee
  • A dependent no longer covered under parents plan
  • on strike, laid-off, or a terminating employee
  • read more

Why should I choose a short-term health insurance plan from National General?


National General is an insurance company probably better known for their auto insurance. What most people don't know is that they also offer some of the best "short term" or "catastrophic" health insurance on the market.

The bottom line: Because National General offers longer term options, a national network PPO, competitive lifetime limits, a $50 urgent care copay AND a guaranteed issue option (in most states), National General is a stand-out insurance provider in a crowded field of competitors. Few short term or catastrophic plans are able to offer these level of benefits at an affordable price. read more


Is using a Health Insurance Agent or Broker Free?

The short answer: Yes! In most cases, using a health insurance agent or broker is free. Since most insurance companies pay agents and brokers, there's no charge to the consumer for services like ours. read more

See all FAQ’s

Independent Health Agents: We Are Who We Are!

We are independent health insurance agents.

Independent of alliance to any particular health insurance carrier. Which means our recommendations and advices are always unbiased. We always put our client financial and health coverage needs first regardless of the enrollment decision made.

We maintain our licenses and certifications with state departments up to date without lapse. Annual training with CMS, FFM,, Covered California , Pennie, and Connect for Health Colorado. read more...

Mike Desnoyers specializes in the individual insurance market experience in 46 states. We employ local, experienced licensed agents that are available for individual consultations to answer all of your questions at your pace.

Qualified plans include many free services!Many medical services are covered at no cost
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Who needs health coverage?


Has anyone applying for coverage smoked cigarettes or used any tobacco products regularly?