Short Term

Short-term insurance can be a valuable option for individuals who find themselves between jobs, waiting for other coverage to begin, or simply in need of temporary health insurance. These plans are often less expensive than traditional health insurance, making them a cost-effective option if you don’t qualify for subsidies. However, it’s important to understand that short-term plans are typically medically underwritten and may not cover pre-existing conditions. These plans often operate like fixed indemnity plans, where benefits are paid out at set amounts per service, and may not function as full-coverage health insurance. For those in good health, without ongoing medical needs, and seeking coverage for a limited period, short-term insurance can be a great fit. However, if you have ongoing critical illnesses or require expensive medications, you should consider more comprehensive coverage options.