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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:
462 Midland Rd #100
Janesville, WI 53546
(800) 279-2290

low cost health insurance


Choice your own doctors and hospital
$1 million maximum coverage
Major medical insurance that includes doctors, hospitals, ER, ambulance, tests
Does not cover pre-existing conditions or prescription drugs
Up to 17% discount for single premium pre-payment
Immediate online issue and ID download

The #1 most popular short term medical insurance over the past decade that protects you and your family from the high cost of unexpected illnesses and accidents. The popularity is largely due to the low premium cost. Coverage is available from 1 to 12 months.
low cost health insurance
Who is eligible?
Individuals must be under age 65, have a social security number and able to answer "no" to the four medical questions on the application. Available in all states except AK, MA, MD, NJ, NY and VT.
low cost health insurance
About the Insurance Company
Smart short term medical Insurance is issued by
Markel Insurance Company and administered by SAS Insurance Services Inc.

Smart short term medical insurance

Product Review

Product details are included in a separate article titled "Markel Smart Short Term Medical Insurance Details" at Freedom Benefits. If you wish to submit comments to be incorporated into the review, please e-mail us. We appreciate your feedback.


Priced less than major medical plans and lower than the short term medical insurance plans of most health plans that offer primarily major medical insurance.


Coverage period is limited to 6 or 12 months in most states. Does not cover the cost of treating pre-existing medical conditions.

Forms in PDF format for download

All available forms can be found by following the quote and enrollment link above.


Mission Statement| Editorial Policy| Privacy Policy| About Freedom Benefits| News| Investors

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.