Short-term plans

A definition of short-term plans.

What you need to know

Short term medical is a health insurance plan that offers coverage for 180 days or less. There are lifetime claims maximums, pre-existing conditions are excluded and you have to be approved for coverage. You'll usually want this type of policy if you do not have a qualifying event after losing other health coverage, but if you have pre-existing conditions, you can be denied enrollment. Many people will use short-term plans as a temporary bridge until enrolling in a regular health insurance plan.


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