Short-term health insurance plans were intended for people who experienced a temporary gap in health coverage.
Short-term plans may work for some people if they remain healthy and never suffer an accident.
♦ Short-term health insurance plans are often referred to as "junk insurance."
Short-term plans cover much less than a traditional plan. These plans often weave in exclusions in a way that most consumers would never notice until they tried to use the insurance.
The plans are risky but they are also much lower cost than plans sold through the Marketplace.