STM can only be written for 3 months under current law. Rumor (from carrier reps) has it that this "may be" extended. Under old (perhaps ancient) rules, benefits for a given illness would continue past the contract end date for example if the insured were in the hospital. UHC at least has no continuation of benefits meaning when contract ends 10/31 and the person is in the hospital, charges from 11/1 and later are not eligible expenses under the contract. You can take an app 60 days before the effective date and the policy would be issued. You could still run into a pre-ex problem. Suppose you write 1 contract effective 1/1 with a 3 month term. The person can pass underwriting on 2/1 so you write for a 4/1 effective date the date that the old contract ends. The contract would be issued effective 4/1 however, any new illness or accident incurred prior to 4/1 would not be covered. Note that some illnesses are an automatic decline ie cancer etc. Is there a carrier that would cover someone that's in the hosp at the end of the contract term until they get out of the hosp?