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 up to 364 days, and can be renewed as long as the total duration doesn't exceed 36 months.

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.

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.