Short-term health insurance is designed for healthy people. It serves as a safety net or temporary solution that will temporarily cover someone who is transitioning from one even in life to another. It can provide coverage for up to 6 months or 12 months only.

Short-term health insurance can cover those who temporarily lost their jobs, who are between jobs, are currently waiting for more permanent employer benefits, those who lost their dependent status under their parents health plan, and more. Because of the coverage that can come to play during these junctures, short-term health insurance is considered very important by certain groups of healthy people.

Typically, a short-term health insurance is cheaper in cost, has high coverage amounts and is fast to purchase. But this is not the kind of insurance for those who have pre-existing medical conditions. This means, you cannot be covered if you were diagnosed with health conditions normally within 36-month period before the start of this type of insurance coverage. The look-back period for these conditions differ from state to state and you may need to contact a short-term health insurance pro to know more about the laws that apply in your area.

People who qualify for Short-term health coverage are:

- those who are temporarily out of work - those who are newly hired and are waiting to become eligible for a group health insurance - fresh college graduates who are waiting to get their first job that will provide them with health insurance benefits - young members of the family who are not enrolled as full-time students and are reaching the cut-off age of their parents health insurance plans. - early retirees who will need a little more time to qualify for medicare - people discharged from work

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