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We make it easy to get friendly, personal and independent help with health care reform questions with fast and free online support through OnlineNavigator.orgTM as well as Limited telephone support at (800) 609-0683. OnlineNavigator is an independent adviser service not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state program.

Member Services:
IHC Health Solutions Inc.
15436 N. Florida Avenue, Suite 105
Tampa, FL 33613
(800) 277-3323
low cost health insurance


Coverage up to 36 months
Choose your own doctors and hospitals
a popular alternative to COBRA when longer coverage is needed
Deductible choices from $500 to $5,000
High $2 million maximum coverage
Online application, immediate approval,  and next day coverage

Secure 12x3 Short Term Medical

This product is discontinued. Please use 1-12 month Secure Short Term Medical Insurance instead.
low cost health insurance
Who is eligible?
This plan is offered to all individuals under age 64-1/2 in AL, AK, AZ, AR, DE, DC, FL, GA, HI, IL, IA, MO, NE, NM, OH, OK, OR, PA, SC, TN, UT, VA, WV, WI, and WY who can answer "no" to the medical questions on the application.
low cost health insurance
About the Insurance Company
Secure 12x3 short term medical insurance is underwritten by Standard Security Life Insurance Company of New York and serviced by IHC Health Solutions, Inc.

Secure short term major medical insurance

Medical Eligibility

To be eligible for coverage, all applicants must be able to answer "no" to the following five questions:

1) Will there be any other group or individual major medical health insurance in force on the policy effective date?

2) Are you or any person applying for coverage now pregnant?

3) Are you or any person applying for coverage currently eligible for Medicaid?

4) Within the past 5 years have you or any person applying for coverage been aware of, received an abnormal test report for, been diagnosed with, been treated by or received follow-up care with a member of the medical profession, taken medication for or had a device surgically implanted or in place for: ¦ heart disorder, heart attack, coronary artery disease, coronary bypass or stent ¦ peripheral vascular disease or carotidartery disease ¦ stroke or other neurological disorder ¦ cancer or tumor ¦ paraplegia, quadriplegia or multiple sclerosis ¦ stem cell transplant ¦ emphysema or COPD (chronic obstructive pulmonary disease) ¦ diabetes ¦ liver disorder ¦ kidney disorder other than stones ¦ degenerative disc disease or herniated disc ¦ rheumatoid or psoriatic arthritis ¦ degenerative joint disease of the knees or hips ¦ alcohol or drug abuse or dependency ¦ hemophilia

5) Have you or any person applying for coverage been diagnosed or treated for Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex, or any other immune system disorder within the last 10 years immediately prior to the date of this application? Answer this question "no" if you have tested positive for HIV but have not developed symptoms of the disease AIDS.

Other eligibility requirements

1) Applicants must be under 65 years old.

2) Applicants must have lived in the U.S. for 12 consecutive months.

3) For child only coverage, the oldest child must be at least one year old.

4) Active members of the armed services are not eligible for coverage.

Product Review

This product has not recently been reviewed by Freedom Benefits. If you wish to submit comments to be incorporated into the review, please e-mail us. We appreciate your feedback.


This product is discontinued. Please use 1-12 month Secure Short Term Medical Insurance instead.  


This product is discontinued. Please use 1-12 month Secure Short Term Medical Insurance instead.

Forms in PDF format for download

Sample policy certificate


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.