Low-Cost Alternative Health Insurance Plans available all year.

Ideal for those who are:

  • In Between Jobs or Waiting for New Benefits to Begin

  • Need a Low Cost Alternative to COBRA or ACA

  • Missed Open Enrollment and need coverage now.

  • Note:  Short-Term Medical is not suitable for everyone.  Pre-existing conditions are usually excluded, limited underwriting applies, and coverage limitations do apply.  Consult with Ken Locke before purchasing, but ultimately the person purchasing the policy is responsible for reading and understanding the plan brochure, what is and is not covered, and understanding the descriptive section of limitations and exclusions.

Call 262-536-5155 to enroll over the phone

or click "Get A Quote" below to apply online.

(Online quoting available for Wisconsin and select other states, depending on carrier. Please call Ken if you are in a state other than Wisconsin).

Benefits Listed below are subject to change and vary by state.

Information provided is for illustration only. Plan information and/or rates listed may be subject to change and not current at time of application.  Contact Ken Locke or the insurance company directly for the current product rate and benefit information.

Doctor's Office

UnitedHealthcare® Golden Rule

  • Nationwide Choice Network.

  • Variety of term lengths from up to 6 months, up to 364 days, or multi term plans (depending on state and subject to change)

  • Variety of plan designs

  • Optional Supplemental Ancillary plans may include:

    • Accident Insurance​ and Gap Plans

    • Dental and/or Vision

    • Telemedicine (Virtual Visits via Phone or PC)

On-Exchange Plans by Molina, Network Health, Children's Community Health Plan, Common Ground Healthcare, Dean Health plan, Medica, Unity Health, MercyCare, and more for Wisconsin, Iowa, Kansas & Texas.


  • Wide variety of plan designs and deductibles

  • Various term lengths available including single pay, month-to-month, up to 12 or 18 months, and in some states longer multi-term plan options

  • Optional supplemental ancillary plans may include:

    • Dental​

    • Accident Medical Expense

    • Cancer and or Heart/Stroke

    • Fixed Benefit Indemnity

    • Wellness and Telemedicine

  • Seven-day waiting period for sickness may apply

On-Exchange Plans by Molina, Network Health, Children's Community Health Plan, Common Ground Healthcare, Dean Health plan, Medica, Unity Health, MercyCare, and more for Wisconsin, Iowa, Kansas & Texas.

IHC Solutions


  • Well designed Short-Term Plans some of which may include, depending on state, limited coverage for pre-existing conditions

  • Pay Usual & Customary at any provider nationwide with access to the First Health PPO Network for additional savings.

  • Variety of term lengths including up to 6 or 12 months depending on state, and multi-term plans in some states

  • Optional Supplemental Ancillarybenefits including:

    • Dental​

    • Accident and Critical Illness Gap Plans

    • Hospital Indemnity Plans

    • Telemedicine

Off-Exchange plans are available from Network Health, Children's Community Health Plan, Arise, WPS, Medica & Common Ground Healthcare for Wisconsin, Iowa, & Kansas


  • Up to 364 day terms available in most states.

  • Quantum short-term plan that covers intercollegiate  and organized, non-professional, non-paid sports.

  • Plan benefit maximums range from $100,000-$1 million.

  • No network Indemnity Plan: visit any doctor or hospital

  • Includes prescription coverage on some plans

  • Vision Discount card included (save 15-30% on eye exams, lenses, frames and contacts)

  • Up to $1 million of maximum coverage per person

standard life and accident insurance com


  • Terms up to 364 days, in most states.  May reapply for additional terms if needed.

  • No Deductible with affordable premiums.  Limited Benefit Plan (pays off a schedule).

  • This Short Term plan is a rare plan that is also available to those who are over age 65 and not receiving Medicare benefits (restrictions apply, see Ken for details).

  • Coverage Benefits include: Hospitalization, hospital admission, intensive care, emergency room, doctor visits, lab benefits, accidental death, fracture and burn care, critical illness and more.

  • Access to a nationwide PPO network (MultiPlan) with an average savings of 16-39.2%,

  • Additional association membership benefits including Prescription Discount Card, eDocAmerica, Identity Theft Insurance, & 24 hour Emergency Roadside Assistance & more!

  • This is a limited benefit plan and is not considered catastrophic coverage.  Consult with Ken for more information.

  • Call for more information 262-536-5155 (or Click on Get a Quote for Rates)

  • Benefits listed here may not be current at time of viewing and may be subject to change.