Short-term health insurance doesn't have to cover all of the necessary health benefits. For example, most short-term plans do not cover maternity care or mental healthcare, and numerous omit coverage for outpatient prescription drugs. Almost all short-term plans also exclude protection for any pre-existing conditions. You can even be declined for protection completely if the insurer feels you're too big of a risk to insure.

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

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