HCBI Online is devoted to offering the very best products at the very best prices! We have 31 years of experience in the insurance profession, and we have the knowledge and expertise in selecting the very best products to take care of your insurance needs We offer several plans with special and unique features for those who are: Unemployed, in between jobs, recent college graduates, or in need of an alternative to COBRA Our Short Term Medical Plans allow you and your family, up to age 65, to purchase quality, affordable major medical coverage on a temporary basis