This content is for general informational purposes and does not constitute medical, legal, or financial advice. Healthcare rules and costs change annually. Last reviewed: January 1, 2026. Always verify current details with your insurer, employer, or a licensed healthcare navigator.
Short-Term Health Insurance
Temporary health coverage for gaps between plans — cheaper but with significant coverage limitations.
Full Definition
Short-term health insurance provides temporary coverage, typically lasting 1–12 months (federal rules allow up to 4 months; some states allow longer). These plans are not ACA-compliant and are not required to cover the 10 essential health benefits. They commonly exclude pre-existing conditions, mental health coverage, maternity care, and prescription drugs. Premiums are much lower than ACA plans but coverage gaps can be significant. Short-term plans are useful for: gaps between jobs, waiting for employer coverage to start, or healthy young people who need catastrophic protection only. They do not count as minimum essential coverage in states with individual mandates.
Real-World Example
You start a new job in 3 months but have no insurance now. You purchase a short-term plan at $95/month for 90 days. It covers accidents and sudden illness, but excludes your pre-existing diabetes management. For the gap period, it provides protection against major unexpected events.
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