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A Message from Pivot Health
On August 7, 2025, the Centers for Medicare & Medicaid Services (CMS) announced it will not enforce the 2024 STM duration limits while reviewing rules—opening the door for states to allow short-term medical plans lasting up to 12 months and renewable for up to 3 years.
This update means more choices for consumers who need temporary, budget-friendly coverage during life transitions—and more opportunities for agents to deliver high-value, flexible solutions.
Here’s what this means for you:
✔ Expanded coverage options for your clients
✔ Increased retention and lifetime value per policy
✔ Rising demand from clients seeking flexible coverage
At Pivot Health by Healthcare.com, we’ve been preparing for this change and are ready to roll out longer-duration STM plans as soon as states finalize their guidance. We’ll continue working closely with regulators to ensure products are innovative, transparent, and compliant.
Stay tuned—we’ll share timelines the moment enhanced plan options are ready on our platform.
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A short-term insurance plan is a good fit if your client needs to bridge a gap for a short time when uninsured. Short-term plans give them limited coverage for a limited time until they can move to a more permanent plan.
Recent college grads, people in between jobs, or an early retiree are all good examples of people who may benefit from short term coverage. In some cases, they may choose a short-term plan to cover their children if they are not able to get a family plan right away.
Unlike ACA plans, short term plans don't cover preexisting conditions, and you must answer a series of medical questions to apply.
A short-term plan might be a good fit if your client…
- Missed Open Enrollment and doesn’t qualify for a Special Enrollment Period
- Is waiting for their ACA plan to start
- Is looking for coverage until he/she joins Medicare
- Is turning 26 and coming off a parent’s plan
- Is between jobs or waiting for benefits to start
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Allstate Health Solutions Short Term Medical
Longer short term medical plans are available again.
Quote once and your customers are covered for 3 YEARS!
Our STM plans give your customers the benefits they need and the flexibility they want – with coverage for as long as 36 months.
Coverage includes doctor visits, preventive care services, emergency room visits, and hospital stays, as well as access to pharmacy benefits and discounts.
Check our web schedule for Short Term Medical webinars coming soon!
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Learn more about our Short Term Medical Plans
Contact Stephens-Matthews Marketing
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Marketing Support
Matt Russell |
Senior VP of Marketing
Tessa Wolfe |
Marketing Director / Sr VP
Dave Russell |
Marketing Support |
| Matt Russell |
1-800-544-8250 x20910 |
MRussell@stephens-matthews.com |
Senior VP of Marketing |
| Tessa Wolfe |
1-800-544-8250 x20902 |
tessa@stephens-matthews.com |
Marketing Director / Senior VP |
| Dave Russell |
1-866-336-7847 |
drussell@stephens-matthews.com |
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Quote our Short Term
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**Free Quotit access is limited to Short Term Medical product quoting only.
Access to all carriers will require a subscription with Quotit Corporation.
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