Short-term health insurance is a type of insurance coverage that offers temporary benefits for individuals who need immediate health coverage for a limited period. It is designed to bridge gaps in insurance coverage during transitional phases, such as when changing jobs, waiting for employer-sponsored coverage to begin, or during open enrollment periods.

Key features of short-term health insurance include:

• Temporary Coverage: Short-term health insurance provides coverage for a specific duration, typically ranging from a few months to a year. This makes it an ideal option for individuals who need immediate coverage but do not require long-term insurance.

• Essential Healthcare Services: Short-term plans generally cover essential healthcare services, such as doctor visits, emergency care, hospitalization, and prescription drugs. However, coverage for pre-existing conditions and certain preventive care services may be limited or excluded.

• Flexibility: These plans offer flexibility in terms of coverage duration and cost. Policyholders can choose the coverage period that best suits their needs and budget, with options to renew coverage if necessary.

• Affordability: Short-term health insurance premiums are often more affordable compared to long-term health insurance plans. This makes them a cost-effective solution for individuals seeking temporary coverage without breaking the bank.

• Quick Approval Process: Unlike traditional health insurance plans, short-term policies usually have a quick approval process, allowing individuals to get coverage swiftly during critical transitional periods.

It's important to note that short-term health insurance is not intended to replace comprehensive health insurance coverage. These plans may have limitations, such as exclusions for pre-existing conditions, limited coverage for certain services, and higher out-of-pocket costs.

Individuals who may benefit from short-term health insurance include:

• Those between jobs or waiting for employer-sponsored coverage to begin.

• Recent graduates who have aged out of their parents' insurance or are in a waiting period before employer coverage starts.

• Self-employed individuals or freelancers who do not have access to employer-sponsored plans.

• Early retirees who are not yet eligible for Medicare.

Overall, short-term health insurance provides temporary coverage and flexibility for individuals during transitional periods, offering essential healthcare benefits at an affordable cost.