What does "short-term health insurance" typically provide?

Short-term health insurance typically provides limited-duration plans designed to cover interim healthcare needs, often during transitions such as between jobs, while waiting for long-term coverage to begin, or during other temporary situations. These plans are generally less expensive than comprehensive health insurance, but they offer essential health benefits for a shorter period, usually ranging from a few months up to a year, depending on state regulations.

This type of insurance is not designed for lifelong coverage or extensive benefits, and it does not cover pre-existing conditions, making it a suitable option for those who need immediate but temporary health insurance solutions. Additionally, it often excludes extensive benefits beyond basic healthcare needs. Therefore, the focus on limited-duration plans aligns with the intended purpose of short-term health insurance, which is to provide a safety net for specific, temporary periods rather than long-term healthcare needs.