A short-term health insurance plan is temporary health coverage designed to provide limited benefits for a short period of time.
What does a short-term plan cover?
Coverage varies by carrier but may include:
Emergency care
Hospital services
Certain physician services
What are the limitations?
Short-term plans may:
Exclude pre-existing conditions
Exclude certain essential health benefits
Provide less comprehensive coverage than ACA-compliant plans
Can I buy a short-term plan year-round?
In many states, yes.
Availability depends on state regulations and carrier offerings.
Is a short-term plan the same as major medical insurance?
No. Short-term plans are generally not ACA-compliant major medical coverage.