Short-Term Health Insurance Investigation


Girard Sharp is investigating potential claims on behalf of health insurance policyholders who purchased falsely advertised short-term policies.

For example, some policies are marketed as providing coverage up to a certain amount in claims, but the policy’s fine print imposes daily coverage limits that can leave the policyholder responsible for paying the remaining cost.

If you are a policyholder on an insurance policy that limits coverage in a way that makes the marketing of the policy misleading, you may have a claim for relief.

Protect your rights by speaking with a Girard Sharp attorney. Call us toll-free at (866) 981-4800 or by filling out the form below. 

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More Information on Short-Term Health Insurance Investigation

Various health insurers have reportedly been using misleading marketing practices to attract new short-term policyholders. During the COVID-19 pandemic, consumers have enrolled in short-term insurance policies to bridge temporary coverage gaps. These short-term or “noncompliant” policies are not bound by the coverage rules of the Affordable Care Act.

The terms of these policies may permit the insurer to impose coverage limits inconsistent with how the policy is marketed, to deny coverage for common treatments or for consumers with preexisting conditions, or to keep an unreasonably high percentage of premiums collected. Some consumers also report having seen false or misleading statements regarding COVID-19 treatment and testing in connection with short-term policies.

Short-term insurance companies we are currently investigating for unfair and deceptive practices include Golden Rule, which is a United Healthcare subsidiary; Companion Life Insurance Company, which is a subsidiary of BlueCross BlueShield of South Carolina that underwrites plans sold by Pivot Health; and Florida-based American Financial Security Life Insurance Company.

Our Commitment to Excellence 

Girard Sharp has earned national Tier 1 rankings for Mass Tort and Class Action Litigation and has been named to the U.S. News – Best Lawyers “Best Law Firms” list each year since 2013. Read about some of our results.

We have prosecuted civil claims some of the nation’s largest insurance companies—including John Hancock Life Insurance Company (U.S.A.), Lincoln National Life Insurance Company, and State Farm Life Insurance Company—and we have delivered millions of dollars in recoveries for our policyholder clients.

For a free consultation about your potential claims, contact one of our insurance lawyers at (866) 981-4800.

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