Short-term health insurance is not a substitute for the full protections of ACA-compliant comprehensive coverage. A policy may exclude pre-existing conditions, omit important benefits or limit payments. Read the actual policy, exclusions, benefit limits, deductible and termination terms. Availability and permitted duration depend on applicable rules and the product. Compare your Marketplace and other coverage options before buying. Do not assume that expiration of short-term coverage creates a Marketplace special enrollment opportunity. Ask a licensed agent to explain the specific policy in writing.
How disability income insurance works
November 1, 2026
