The biggest advantage of short-term health insurance policies is that you may choose the period of coverage. Generally, you may buy a plan on a month-to-month basis. Also, there is an option for a policy renewal for up to 36 months, depending on the state where you live.

Even if a more comprehensive health insurance alternative becomes available, you may drop coverage without penalty.

These plans may offer coverage for doctor visits, hospital stays, and emergency room visits, as well as prescription medication coverage and some preventative care services. The short-term health insurance network will vary widely based on the plan and the insurer.

The application process is typically straightforward, and coverage can begin as soon as the next day.

In general, short-term health insurance policies are less expensive than standard health insurance plans. This makes them an appealing alternative for individuals and families looking to have temporary coverage with lower monthly premiums.