Which of the following best defines short-term health insurance?

Short-term health insurance is best defined as a type of insurance specifically designed to fill temporary gaps in coverage, usually offering limited benefits for a brief duration. This type of plan is often sought by individuals who find themselves between health insurance plans, such as those transitioning between jobs, recently graduated students, or anyone waiting for other coverage to begin.

The distinguishing feature of short-term health insurance is its limited benefit period; it typically covers essential health needs but excludes comprehensive coverage that long-term plans provide. Additionally, these plans often do not cover pre-existing conditions, and the benefits can vary significantly from one plan to another.

In contrast, comprehensive plans are designed to cover a wide range of medical expenses, providing more robust and continuous coverage. Permanent insurance plans are specifically tailored for individuals with chronic illnesses, offering lifelong benefits rather than being temporary. Catastrophic coverage is designed to protect against high-cost medical events but does not provide the same level of access or benefits as short-term insurance, which is intended for less severe needs.