Short-term health insurance doesn't need to cover all of the necessary health benefits. For example, most short-term strategies do not cover maternity care or mental health care, and numerous leave out protection for outpatient prescription drugs. Nearly all short-term strategies also omit coverage for any pre-existing conditions. You can even be turned down for coverage entirely if the insurance provider feels you're too big of a threat to guarantee.

You can buy a short-term health insurance policy directly from a medical insurance business, utilize your own insurance coverage agent, discover a medical insurance representative or broker at the National Association of Health Underwriters website, or use a non-governmental private online exchange such as ehealthinsurance. com. Short-term medical insurance offered on Affordable Care Act medical insurance exchanges such as HealthCare.

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