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Short-term health plans are medical insurance that provide individual or full family healthcare coverage for a defined period of time, typically 1 month to 364 days of coverage. Just like permanent insurance such as Obamacare, short-term health insurance covers doctor visits, hospitalization, emergency care, and lab tests. Short-term plans also work the same as permanent health insurance, which means there are monthly premiums, deductibles, co-insurance, co-pays, and out-of-pocket maximums. An important benefit of short-term health plans is their open network, which means you can choose any doctor or hospital without a reduction in your benefits.
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