Seasons Change and So Do Coverage Needs: College Students and Recent Grads Hit the Short-Term Market

Spring is upon us – though more apparent in some parts of the country than others – and that means summer is warming up right around the corner. That also means the spring semester will end soon at colleges and universities across the country, leaving many students and recent graduates with expired health coverage.

Past reports of short-term medical enrollment have ranged widely from 160,000 to 850,0001, but that number seems likely to grow this year. Not only do summer months see college students and recent graduates flocking to the short-term market1 but public awareness of the market has also increased significantly.

A recent poll shows 31%1 of consumers polled indicated they are familiar with it and an additional 10.4%1 indicated they have used such coverage. Compare that to 7% of consumers who were aware of the coverage option in 2017, and it’s clear that continued growth is forthcoming.

Are you prepared to help this specific audience find coverage that fits their needs this summer?

Here’s how short-term medical coverage may be their solution until they can choose a longer term solution:
  • Provides flexibility in cost and length of coverage
  • Offers choice of deductible and coinsurance options
  • Delivers low copay options
  • Secures ability to cancel without penalty at any time

Understanding the needs and concerns of college students and recent graduates is imperative when helping them select coverage. According to a recent poll2, 72% expressed concern over the cost of healthcare coverage, with 40% worried about the cost of monthly premiums and 20% anxious about out-of-pocket expenses.

With that in mind, these coverage highlights are crucial to the conversation:
  • Provides wellness options
  • Often offers lower rates than traditional health plans
  • Affords a low cost layer of financial protection from rising healthcare costs
  • Offers choice of deductible as low as $250

Note that with STM, clients are not buying an ACA health plan. The following need to  be kept in mind by any prospects:

  • STM coverage does not provide the minimum essential health benefits required by the Affordable Care Act (ACA) and will not help to avoid the fee for not carrying health insurance. STM plans are not guaranteed issue, do not cover pre-existing conditions, and require a series of medical questions to be answered
  • Plans vary in what is covered, check any plans carefully prior to making a purchasing decision

In addition to college students and recent graduates, other prospective clients who are facing life-altering transition periods may find short-term medical meets their needs.

These include:
  • Pre-Medicare retirement
  • Change in employment status
  • Missed Open Enrollment
  • Rolling off parental insurance
  • Filling a gap in your major medical coverage

Are you ready to address the needs of this growing market’s diverse audiences?

Learn more today by:

Health Insurance Innovations, Inc. is a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products. We help consumers address their health insurance needs by offering access to a number of products offered by various insurance carriers.

For agent use only – not for use with the general public



1: “Poll: Spike in Short-term Health Insurance Public Awareness.” March 14, 2018


2: “Poll: 72% of College Students and Recent Grads Have Challenges Finding Affordable Health Insurance. ” June 20, 2017.




Clean Up Your Clients’ Coverage Needs for National Kidney Month

Spring cleaning season is upon us, a fitting time to raise awareness of kidney health. March is National Kidney Month, and the National Kidney Foundation is using the month to encourage Americans to visit their healthcare professionals for a checkup. As an agent, you have the opportunity to talk to your clients about this health observance as well as the importance of having the coverage they need to meet their kidney health concerns.

Let’s take a look at why the kidneys are so imperative to our health1:

  • They filter waste out of 200 liters of blood each day
  • They regulate of the body’s salt, potassium and acid content
  • They remove drugs from the body
  • They balance the body’s fluids
  • They release hormones that regulate blood pressure
  • They produce an active form of vitamin D that promotes strong, healthy bones
  • They control the production of red blood cells

As you work with clients this month to identify their ideal coverage, take this opportunity to remind them about these startling statistics1:

  • Kidney disease is the 9th leading cause of death in the country
  • More than 30 million Americans have kidney disease, and most don’t know it
  • There are over 95,000 people waiting for kidney transplants
  • More than 590,000 people have kidney failure in the US today

So what can your clients do to protect the health of their kidneys? Consider these recommendations:

  • Eat a whole food, plant-based diet2. Your clients can learn about meals focusing on veggies, fruits, whole grains, lentils, etc and more plant-based options herehere, and here.
  • Eat meals that include plant protein, as research shows they reduce mortality in chronic kidney disease3.
  • Know what healthy kidneys do and how to recognize symptoms of chronic kidney disease4. Your clients can click here to take an online assessment to rate their risk.
  • Maintain a healthy weight, stay active, and monitor their blood sugar level5.
  • Stop smoking6. Your clients can click here for tips to help them stop.

Talk to your clients about their available coverage options today and how that coverage may help them protect their kidney health. With many options that include guaranteed acceptance, low cost preventative care and office visits, freedom to choose healthcare professionals, and low deductibles and copays, short-term medical coverage may fit their needs, especially if they are:

  • Transitioning between jobs
  • Waiting for employer insurance to begin
  • Graduating from college
  • Rolling off parents’ coverage
  • Waiting for Medicare coverage to become effective

Note: Short-term medical coverage may be an appropriate fit for your clients.  However, it’s important for you and your clients to understand that such coverage does not replace major medical insurance, and it is does not count as minimum essential coverage required by the Affordable Care Act. Limitations, restrictions, and exclusions may apply.

Learn more how short-term medical coverage can provide an avenue to healthcare by:

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1: “Focus on the Kidneys During National Kidney Month in March.” National Kidney Foundation.

2: “Can a Whole Food, Plant-Based Diet Help to Preserve Kidney Health?” T. Colin Campbell Center for Nutrition Studies.

3: “Plant Protein Reduces Mortality in Chronic Kidney Disease Patients.” National Kidney Foundation.

4: “Six-Step Guide to Protecting Kidney Health.” National Kidney Foundation.

5: “8 Golden Rules: What Can You Do for Your Kidneys?” World Kidney Day.

6: “What Effects Does Smoking Have on the Kidneys?” LiveStrong.com


Health Insurance Innovations, Inc. is a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products. We help consumers address their health insurance needs by offering access to a number of products offered by various insurance carriers.


For agent use only – not for use with the public