Short-term medical insurance can provide limited, temporary coverage for eligible applicants who are between plans, waiting for benefits, or experiencing another short coverage gap.
Some applicants use short-term coverage while waiting for employer-sponsored insurance to begin.
Freelancers, contractors, and gig workers may consider temporary coverage when other options do not match their timing.
Short-term plans may be considered during a limited transition between school, work, and other coverage.
Short-term medical plans are not ACA-compliant comprehensive major medical plans. They may use medical underwriting and may exclude pre-existing conditions, maternity care, mental health care, preventive services, prescriptions, or other benefits.
Always review the policy documents and exclusions before enrolling.
If you have ongoing healthcare needs, take regular medications, need maternity benefits, have pre-existing conditions, or want stable long-term coverage, an ACA Marketplace plan may be a better direction to review.