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SHORT TERM HEALTH INSURANCE AND HEALTH BENEFIT INDEMNITY INSURANCE (HBI) ARE INSURANCE OUTSIDE OF THE AFFORDABLE CARE ACT (OBAMACARE). SHORT TERM HEALTH INSURANCE AND HBI DO NOT COVER PRE-EXISTING CONDITIONS AND DO NOT INCLUDE ALL TEN OF THE MINIMUM ESSENTIAL BENEFITS OF OBAMACARE. HBI INSURANCE IS DESIGNED TO PROVIDE ADDITIONAL BENEFITS TO SUPPLEMENT MAJOR MEDICAL INSURANCE. YOU MAY BE SUBJECT TO THE AFFORDABLE CARE ACT UNINSURED TAX (ELIMINATED BY THE CONGRESSIONAL TAX REFORM ACT STARTING IN 2019).
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