Short-Term Health Plans Might Offer Some Relief But They Have Significant Gaps

Consumers who missed open enrollment on the state health insurance marketplaces this spring or who are waiting for employer coverage to start don't have to "go bare."

Consumers who missed open enrollment on the state health insurance marketplaces this spring or who are waiting for employer coverage to start don’t have to "go bare." Short-term policies that last from 30 days up to a year can help bridge the gap and offer some protection from unexpected medical expenses. But these plans provide far from comprehensive coverage, and buyers need to understand their limitations.

In contrast to regular health plans, applicants for short-term coverage may be rejected because they have pre-existing medical conditions.

Even if they’re accepted by the plan, the drugs and medical care necessary to manage their diabetes, for example, generally wouldn’t be covered, says Carrie McLean, director of customer care at online health insurance vendor ehealth.com.

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Source: Kaiser Health News