Short-Term Health Insurance

Healthcare Writer

Updated on July 17th, 2024

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Overview

Short-term health insurance is meant to be temporary until you can get coverage under a traditional plan. It’s available for up to 3 months with a 1-month extension. Unlike plans purchased through the Health Insurance Marketplace, short-term health insurance is not required to include the 10 essential health benefits outlined in the ACA, and it generally doesn’t cover preexisting conditions.

Short-term insurance is beneficial when you’re transitioning between health plans. Whether you are waiting to enroll in another plan, between jobs, or taking a break from school, this can be a viable option.

Here’s what you should know:

Enrollment

The application process for short-term health insurance is swift. Once you apply and make the payment, coverage can begin as early as the next day. You also have the flexibility to choose a start date within the next 60 days.

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Coverage Details

  • Financial Protection: Short-term insurance helps mitigate high medical costs in emergencies. Although you might face significant out-of-pocket expenses for certain services, it is still considerably cheaper than bearing the full cost yourself.
  • Emergency Care: These plans cover sudden medical issues. You can continue seeing your regular doctor, specialists, and nearby hospitals.
  • Limitations: Short-term insurance does not cover long-term health issues, dental care, or vision care.

Health Conditions

  • No Coverage for Pre-Existing Conditions: Unlike other plans, short-term insurance may not cover pre-existing conditions such as cancer or diabetes. It may also exclude coverage for certain diagnostic tests recommended by your doctor. It’s crucial to understand these limitations before enrolling.

Next Steps

When choosing a short-term plan, consider your specific needs, budget, and the duration of coverage required. There are many options available, so take the time to select the right one for you.

This is a practical option if you need temporary coverage. It is easy to obtain, provides financial protection, and can be tailored to meet your needs.

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