What Are Short-Term Health Insurance Plans?

Short-term health insurance plans provide temporary coverage for Minnesotans who are between health plans or facing a gap in coverage. While these plans don't offer the same protections as Marketplace plans, they can help cover unexpected medical costs for a limited time. We'll help you review the pros and cons to see if short-term coverage fits your situation.

What's Included in Short-Term Health Plans

Short-term plans typically cover:

It's important to know that these plans generally don't cover pre-existing conditions and may not include essential benefits like maternity care or mental health services.

A smiling family of five playfully piled on top of each other on a bed.
A black circle with a white check mark inside.

Emergency room visits and hospital stays

Black circle with white checkmark, indicating completion or approval.

Doctor visits for illness or injury

A black circle with a white checkmark indicating approval.

Some prescription medications (varies by plan)

Black circle with a white checkmark inside, indicating confirmation or approval.

Basic preventive care (limited, depending on plan)

Is a Short-Term Plan Right for You?

Short-term health insurance may be a good option if you:

A black circle with a white checkmark, indicating a positive confirmation or selection.

Need coverage between jobs or after losing employer insurance

Black circle with a white checkmark, indicating a successful or complete action.

Are waiting for Marketplace coverage to begin

Black circle with a white checkmark inside.

Missed the Open Enrollment Period and don't qualify for a Special Enrollment

Black circle with a white checkmark inside, indicating a completed task or selection.

 Want limited, lower-cost coverage for emergencies only

We'll walk you through the details so you know exactly what's covered-and what isn't.

Common Questions About Short-Term Health Plans

  • How long can I keep a short-term plan?

    Short-term plans typically last from 1 month to just under 12 months. In some cases, they can be renewed.

  • Can I switch to a Marketplace plan later?

    Yes, you can switch during the Open Enrollment Period or if you qualify for a Special Enrollment Period due to a life event.

  • Do these plans cover pre-existing conditions?

    No, short-term plans usually exclude coverage for pre-existing conditions.

  • Are preventive services covered?

    Some basic preventive services may be included, but most short-term plans have limited preventive benefits compared to ACA plans.

  • Is this a good long-term solution?

    Short-term plans are designed for temporary situations. They're not a replacement for long-term health coverage, but they can provide peace of mind during gaps in coverage.