Provides a short-term solution (temporary health insurance or term health insurance) to help fill gaps in coverage. Individuals that can benefit from this plan are:

• Between jobs
• Waiting for other coverage to begin
• Waiting to be eligible for Medicare coverage
• Without health insurance and are outside of Open Enrollment

It is important to note that most short term insurance plans will not cover preexisting conditions. Which dependent on your state’s definition, these are conditions diagnosed or treated within the last 2 to 5 years. If this is your scenario, your best option is contact your current insurance plan and try to extend your coverage.

Short terms plans are also not considered “minimum essential coverage” as defined by the Affordable Care Act (ACA).

Most often, they are combined with other supplemental health insurance plans to help round out coverage. Usually, Dental, Vision, Accident and Critical Illness plans are paired with Short Term medical insurance plans.