For anyone who’s between jobs, between health insurance plans or has just graduated from college, short-term health insurance can be a wonderful find.  But because we have only a few such transitions in our lives — and each one is generally short-lived — most of us never even think about short-term health insurance.  A lot of folks, in fact, have never even heard of it!
 
In brief, short term health insurance is a temporary health insurance policy designed to protect your health and your finances for somewhere between one and twelve months. But the real beauty of these policies is, they’re affordable, applying for it is simple, and you can get coverage very quickly:
 
Affordable. Short-term health insurance plans can cost significantly less than standard individual plans.  Short-term plans are typically designed to protect against unforeseen accidents or illnesses, rather than to provide more comprehensive coverage.  As such, they usually do not include coverage for preventive care services such as annual physicals and immunizations, nor do they provide coverage for care of existing medical conditions.  Limiting coverage like this helps keep your monthly costs low, while still protecting you in the face of the unexpected.  And if you've been laid off and are considering extending your employer health coverage through COBRA, you'll find that a temporary plan can save you money.
 
Simple Applications.  Applications for temporary coverage typically consist of only a few simple questions and take only a few minutes to complete.  And short-term applications rarely require you to provide medical history details, the names of your past doctors, or the address of your last office visit.
 
Quick Coverage. Since temporary coverage doesn't cover pre-existing conditions and the applications are simple, the approval process is also quicker than you would expect from a standard coverage plan.  You could apply for short-term coverage today and have your coverage in effect tomorrow.
 
So if you’re currently in one of life's transitional periods, or you see one coming up on the horizon, now’s a great time to take a look at temporary coverage options. InsureMeOnline.com can get you free quotes on short-term health insurance just as quickly as we do our standard policies. When you weigh them against the cost of a single trip to the emergency room, these plans practically sell themselves.  And when you consider how quick and easy they are to get, you’ll realize there really is no reason to leave yourself and your loved ones uninsured during your transition.