Short-term health insurance is perfect for individuals and families who need temporary coverage. Whether you're between jobs, waiting for your employer-sponsored health insurance to kick in, or simply need coverage for a short period of time, short-term health insurance can provide the protection you need. Federal rules allow short-term health plans to offer coverage for up to 12 months at a time, and insurers can renew the coverage for up to 36 months (three years). However, the maximum policy duration may vary by state. Your coverage will end when the term you selected is finished, though you may be able to apply for an additional term of coverage after your first term is complete. 
 

Short-term health insurance plans typically have lower premiums than traditional health insurance plans, and they offer a wide range of benefits to meet your needs. This type of insurance is limited in scope, but can provide valuable coverage in case of an emergency. Short-term plans typically do not cover prescription drugs, maternity care, or care for pre-existing medical conditions. However, they can offer peace of mind by placing a dollar limit on how much the insurer will pay for covered medical services while you're enrolled. In most cases this limit resets with every new policy term, though some insurers set a lifetime coverage maximum. 

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When applying for short-term coverage it is possible to be declined based on your personal medical history. However, you can apply for short-term coverage year-round, and some short-term plans may be "guaranteed issue," which means insurers typically won't decline your application based on your medical history. Whether you're looking for basic coverage or more comprehensive protection, there's a short-term health insurance plan that's right for you. So don't wait – get the protection you need today with a short-term health insurance plan.