SASid and Markel Insurance Company release the Smart STM in 20+ states. This competitive and innovative product will offer many deductible ($250 up to $5,000) and coinsurance options (50, 80, 100). A new 3 month option will decrease premiums by 10%. Based on statistical analysis the average person purchases Short Term Medical under 3 months. Click here to try it out. Online contracting here.