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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).


Send your SMS/Text Messages to:


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)



  • Formerly known as National General or Assurant Health

  • 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

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

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  • You choose the coverage period. You pick the length of time you need, from 30 to 364 days, and you can apply for additional policies (combined coverage period may only be 18 months). Plus, your coverage can start as early as tomorrow!

  • You can access thousands of health care providers
    The WPS Statewide Network allows you to select from thousands of top-quality health care professionals at top-tier facilities across Wisconsin.

  • You choose the deductible. Select the amount that’s right for you, with deductible options ranging from $1,500 to $15,000.

  • You can save money. This plan offers an affordable way to enjoy the benefits of a major medical plan at a cost that is generally lower than COBRA or a standard individual health policy.

  • You can get discounts on other services. The Active & Fit Direct™ program delivers access to 11,000+ participating fitness centers nationwide for only $25 per month (plus a $25 one-time enrollment fee and applicable taxes). Hearing Care Solutions discount program includes an annual hearing exam at no charge, fixed, discounted pricing at multiple levels of technology, and much more.

  • Call for more information 262-536-5155.

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