Short-Term Health Insurance

Last updated: December 9, 2025 Recently updated

Short-Term Health Insurance Guide

Temporary coverage for gaps between other health insurance plans

Not sure what coverage you need? Take our free 2-minute quiz to get personalized insurance recommendations.

What is Short-Term Health Insurance?

Short-Term Health Insurance provides essential protection for you and your family. Understanding how it works helps you make better coverage decisions.

Key Features

Coverage details and benefits
What’s typically included
Common exclusions to be aware of
Cost factors that affect premiums

Who Needs Short-Term Health Insurance?

Learn whether this type of coverage is right for your situation and how to determine the appropriate coverage amount.

How to Choose a Policy

Tips for comparing policies, understanding terms, and finding the best value for your needs.

Frequently Asked Questions

Common questions about short-term health insurance answered.

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Data Sources

Short-term health insurance data in this guide come from NAIC (opens in new tab) model regulations, KFF (opens in new tab) (Kaiser Family Foundation) health coverage research, and state insurance department guidance. Learn more about our data collection methods on our Methodology page.

Frequently Asked Questions

What is short-term health insurance?

Short-term health insurance provides temporary coverage during gaps in regular insurance, such as between jobs or waiting for employer coverage to start. These plans are generally less expensive but offer limited coverage, may exclude pre-existing conditions, and don’t satisfy ACA requirements in some states.

How long does short-term health insurance last?

Duration varies by state and insurer. Plans can last from 30 days up to 364 days, with some allowing renewals for up to 3 years total. However, many states limit short-term plans to 3-6 months. Check your state’s regulations before purchasing.

What doesn't short-term health insurance cover?

Short-term plans typically exclude pre-existing conditions, preventive care, maternity coverage, mental health services, and prescription drugs. They often have annual and lifetime benefit limits. These plans are designed for temporary coverage of unexpected illness or injury, not comprehensive healthcare.