A Better Solution for Clients Who Need Coverage Now
Pivot Health gives agents a flexible short-term medical option for clients who are between jobs, leaving COBRA, self-employed, waiting for employer benefits, retiring early, or simply looking for a more affordable coverage solution.
Why Agents Add Pivot
Reach More Prospects
Pivot Health is built for consumers navigating life transitions, including:
Self-employed individuals
Gig workers and independent contractors
COBRA shoppers
Early retirees
College students
Adults aging off a parent's plan
Employees in waiting periods
Create More Sales Opportunities
Life events happen year-round. Pivot helps you serve clients when they need coverage most—not just during enrollment season.
Retain More Clients
Instead of losing prospects who don't find a fit elsewhere, Pivot gives you another solution to keep them protected and keep the relationship moving forward.
Why Clients Choose Pivot Health
Affordable Coverage
Budget-friendly short-term medical options designed to help clients stay protected without the cost of traditional major medical plans.
Fast Start Dates
Coverage can often begin quickly, helping clients avoid gaps during important life transitions.
Flexible Plan Options
Clients can choose from a variety of plan designs to find coverage that fits their needs and budget.
Everyday Healthcare Benefits
Many plans include benefits for doctor visits, specialists, urgent care, and hospital services.
Prescription & Telehealth Access
Select plans offer prescription savings and convenient telemedicine services for added value.
Built for Life
Transitions
Ideal for clients who are between jobs, leaving COBRA, waiting for employer benefits, self-employed, or navigating other temporary coverage needs.
When to Think Pivot Health
Pivot Health is often a strong fit when a client:
Is between jobs or waiting for employer benefits
Finds COBRA too expensive
Is self-employed or working independently
Needs temporary coverage during a life transition
Missed an enrollment window and wants an alternative option
Is looking for a more budget-friendly coverage solution
When traditional health insurance isn't the right fit, Pivot Health gives you another conversation to have.
Agent FAQ: What You Need to Know to Sell This Confidently
Who is Pivot best for?
Consumers experiencing a coverage gap, including self-employed individuals, gig workers, COBRA shoppers, early retirees, college students, and those waiting for employer benefits.
Is Pivot ACA coverage?
No. Pivot short-term medical plans are not ACA-compliant health insurance and do not satisfy all ACA requirements.
Can coverage start quickly?
In many situations, coverage may become effective quickly, including next-day effective dates when available and permitted.
Are there underwriting requirements?
Pivot uses a simplified underwriting process compared to many traditional health insurance products.
Can clients keep their doctor?
Certain Pivot plans are positioned with broad provider access and fewer network restrictions than many traditional plans. Provider participation should always be verified.
Is Pivot available in every state?
No. Availability, durations, and plan designs vary by state. Agents should always verify current state availability before quoting.
What products pair well with Pivot?
Common companion products include accident coverage, critical illness, dental, vision, and other supplemental protection solutions.