Short-term health insurance explained

Short-term health insurance offers temporary medical coverage meant to bridge a gap between other plans. It can cost less than comprehensive coverage, but it often comes with significant limits that are easy to overlook.

What it is for

Short-term plans are designed to fill a gap — between jobs, after aging off a parent's plan, or while waiting for other coverage to start. Terms and availability vary by state.

The trade-offs

These plans often exclude pre-existing conditions and may not cover essential benefits like maternity, mental health, or prescriptions. They can also deny renewal, so they are not a long-term substitute for comprehensive coverage.

Before you buy

Read exactly what is excluded, the coverage limits, and how long the plan lasts. For some people a Marketplace plan during a special enrollment period offers more protection for a similar cost.

Frequently asked questions

＋ What does short-term health insurance not cover?

These plans often exclude pre-existing conditions and may not cover essential benefits such as maternity, mental health, or prescriptions. Read the exclusions carefully.

＋ How long can a short-term plan last?

Duration limits vary by state and plan, and some cannot be renewed. They are meant as a temporary bridge rather than ongoing coverage.

＋ Is short-term insurance cheaper than a Marketplace plan?

Premiums can be lower, but the coverage is more limited. If you qualify for subsidies, a Marketplace plan during special enrollment may offer more protection for a similar cost.

Educational content only — not legal, financial, or insurance advice. Requirements and pricing vary by state.

When a temporary health plan makes sense