Short-Term Medical Insurance
Short-term medical policies may be considered for certain temporary coverage gaps, depending on state rules and policy availability.
Limits and differences
Short-term products are not the same as ACA-compliant comprehensive major medical insurance and may not include the same benefit protections.
Review before applying
Check how the policy treats each of the following:
- Emergency care
- Hospital stays
- Outpatient services
- Tests
- Prescriptions
- Preventive care
- Deductibles
- Benefit caps
- Exclusions
These features are policy-specific.
Eligibility and duration
Eligibility, duration, renewability and application conditions depend on the product and the state. We cannot promise approval or a specific coverage period.
Before you apply
Examine the complete policy and compare its exclusions with your needs before applying.
How health coverage types differ
ACA Marketplace health insurance
Comprehensive major medical coverage for eligible individuals and families through plans that follow ACA standards.
Check: Premiums, deductibles, out-of-pocket limit, network, financial-help eligibility.
Learn more →Short-term medical
Temporary coverage that may be considered for certain gaps, depending on state rules. Not ACA-compliant major medical.
Check: Exclusions, benefit caps, duration, renewability, application conditions.
Learn more →MEC group coverage
Group benefit arrangements built around preventive services. Not automatically comprehensive major medical.
Check: Covered services, participation rules, employer obligations, exclusions.
Learn more →Talk with our team
Compare the policy’s exclusions with your needs.
Related information
Coverage and eligibility depend on the plan, insurer, state and applicant. This page is general education, not individualized insurance, tax or legal advice.