What defines "short-term health insurance"?

Short-term health insurance is specifically designed to provide temporary coverage for individuals who find themselves in a transitional phase, such as between jobs, waiting for other coverage to begin, or during short personal gaps in insurance. This type of insurance typically offers limited benefits for a set period, usually ranging from a few months up to a year, depending on the provider and the specific policy's terms.

Unlike permanent solutions for long-term health needs or detailed plans meant to cover individuals of all ages, short-term health insurance is not intended to replace long-term health care. It often lacks many of the comprehensive benefits associated with standard health insurance plans, such as preventive services or pre-existing condition coverage. The focus is on providing essential health care needs during a limited timeframe, which makes it a practical solution for temporary circumstances.

Furthermore, while it may include outpatient services, it is not confined to just that type of care. This further solidifies the characteristic of being temporary and geared towards addressing immediate, short-term health requirements rather than creating a holistic health plan.