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


Choose your own doctors and hospitals
a popular alternative to COBRA
Deductible choices from $500 to $5,000
High $2 million maximum coverage
Coverage from 1 to 12 months
Online application, immediate approval,  and next day coverage

The original version of this popular high quality, affordable major medical insurance program for periods of 1 to 12 months, payable on a month-to-month basis as needed. Coverage is valid throughout the entire U.S. with any doctor or hospital.
low cost health insurance
Who is eligible?
This plan is offered to all individuals under age 64-1/2 in AL, AK, AZ, AR, CA, CT, DE, DC, FL, GA, HI, IL, IN, IA, KY, ME, MI, MS, MO, NE, NV, NM, NC, OH, OK, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY who can answer "no" to the medical questions on the application. This is one of the only "child only" commercial major medical insurance plans available to a child without coverage on any adult.
low cost health insurance
About the Insurance Company
Secure 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 carotid artery disease •stroke or other neurological disorders •cancer or tumor •paraplegia, quadriplegia or multiple sclerosis •stem cell transplant •emphysema or COPD •diabetes •liver disorder •kidney disorder other than stones •degenerative disk disease or herniated disk •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) No other coverage may be in force

5) Male applicants must weigh less than 300 pounds and female applicants must weigh less than 250 pounds

6) The applicant, spouse, or any dependent child can not be pregnant

7) Applicants can not have been declined for health insurance for a condition that is still present

8) Applicants may not be eligible for Medicaid

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

Product Review

In general, we recognize this Secure STM insurance as the highest quality and most preferred short term medical insurance available today but we have not published a full product review. If you wish to submit comments to be incorporated into this review, please e-mail us. We appreciate your feedback.


Medical eligibility is more liberal than most other short term major medical insurance plans. Child-only coverage is available. Choose any doctor or hospital.


In most states coverage is limited to two consecutive six month policies. After that, another coverage or a gap in coverage is required before being eligible to apply again.

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.