Short-term health insurance (STM) plans are meant to be used when you have a temporary insurance coverage gap. They’re a good fit for those who have lost a job, are no longer eligible for a group insurance plan, find the cost of COBRA plans too expensive, or are not eligible for special enrollment in an Affordable Care Act (ACA)-compliant plan and must wait until the next open enrollment period.
The best short-term health insurance plans cover essential benefits at an affordable price. While many short-term health plans have restrictive maximum limits, high co-pays or deductibles, or no coverage for pre-existing conditions, the best plans offer comprehensive coverage at a reasonable cost.
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