Healthcare Coverage for Individuals

¹HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in Massachusetts. If you reside in Massachusetts, please contact the Massachusetts Health Connector. HealthMarkets Insurance Agency, Inc. does not offer plans in New York state for individuals under the age of 65. Individuals under age 65 and reside in the state of New York, can access plans through New York State of Health.

²Short term plans are medically underwritten and generally do not cover preexisting conditions. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.