Short-term health insurance can help bridge the gap when life changes leave you temporarily without coverage. Whether you’re between jobs, waiting for new benefits to begin, or transitioning to Medicare, Cornerstone Insurance can help you explore your options and find temporary coverage that fits your needs and budget.
Short-Term Health Insurance: Coverage When Life Is in Transition
Life doesn’t always follow a predictable schedule, and neither does your health insurance. Whether you’re changing jobs, approaching Medicare eligibility, or waiting for another health plan to begin, short-term medical insurance may offer temporary protection during a gap in coverage.
When Might Short-Term Coverage Make Sense?
Short-term health insurance may be worth considering if you:
- Are between jobs and need temporary coverage.
- Are waiting for employer-sponsored insurance or Marketplace coverage to begin.
- Are approaching Medicare eligibility and need coverage during the transition.
- Missed ACA Marketplace Open Enrollment and don’t qualify for a Special Enrollment Period.
What Should You Know Before Enrolling?
Short-term health insurance is intended to provide temporary coverage, not replace comprehensive health insurance. Unlike plans that meet Affordable Care Act (ACA) requirements, short-term policies may exclude preexisting conditions, limit benefits, or leave out important services such as preventive care, maternity care, mental health treatment, and prescription medications.
Policies may also have annual or lifetime benefit limits, and you could face substantial out-of-pocket expenses. Coverage availability, eligibility, and policy duration depend on applicable regulations and the specific insurance plan.
Before choosing a policy, it’s important to review what is covered, what is excluded, and whether other insurance options may offer more suitable protection. At Cornerstone Insurance, we’ll help you compare your choices and understand the details before making a decision.
Important Consumer Information:
Short-term medical insurance does not provide the same benefits and consumer protections as ACA-compliant health insurance. These policies may have significant coverage exclusions and financial limitations.
For additional information about short-term insurance, coverage limitations, and consumer protections, visit the
Florida Department of Financial Services: Short-Term Limited Duration Insurance.