Health Insurance Basics
What is short-term health insurance?
Short-term health insurance provides temporary health coverage for a limited period (typically 1-12 months). Short-term plans are not ACA-compliant and do not cover pre-existing conditions or essential health benefits. Short-term plans are typically less expensive than ACA plans but provide less comprehensive coverage.
Key Points
- Short-term plans: temporary coverage for 1-12 months
- Not ACA-compliant: can deny coverage for pre-existing conditions
- Do not cover essential health benefits
- Less expensive than ACA plans but less comprehensive
- Best for: people between jobs or waiting for other coverage to begin