Keep yourself safe with temporary health insurance coverage.

Short-Term Health Insurance

Short term health insurance is a type of health plan that can provide you with temporary medical coverage when you are between health plans, outside enrollment periods, and need some coverage in case of an emergency. With a short-term health insurance plan, you can enjoy the peace of mind of being covered without the expense of major medical insurance.

Here are some Pros and Cons of Short Term Health Insurance:



  • Low cost health insurance
  • Quick approval
  • 30 days - 36 months of coverage (depending on your state, some states offer a maximum benefit period of 36 months)
  • Help bridge gaps in times of transition


  • Doesn't cover pre-existing conditions
  • Doesn't count as minimum essential coverage (i.e. you still owe the fee for not having insurance)
  • Doesn't provide essential health benefits of ACA
  • Primarily acts as catastrophic coverage
  • Limited selection of doctors
  • You can't get ACA cost assistance with a short term health insurance plan
  • Having this coverage may prevent you from getting COBRA or HIPPA

Interested in an insurance proposal at no obligation or cost?


Coughlin Insurance Services, Inc.
178 Myrtle Boulevard, Floor 2, Larchmont, NY 10538
Toll Free : (800) 542-0661
Tel: (914) 834-1234 Tel: (212) 593-0200

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