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In the United States, there are about five different types of health insurance available: traditional health insurance; preferred provider organizations or PPOs; point-of-service plans or POS; health management organizations or HMOs; and most recently, health savings accounts or HSAs. With so many types of health insurance, it may be confusing trying to figure out which one best fits your needs, so thoroughly research each and speak with a professional if you need clarification.

Traditional health insurance is the one that most people think of when they think of health insurance. You pay the insurance company a premium every month, and if you have an accident or need for health coverage, you have a deductible amount you must pay and then the insurance company picks up the rest of the bill. You often have an inexpensive office and/or prescription co-pay with traditional health insurance.

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When people think of health insurance, they think of traditional health insurance, with office visits, co-payments, and prescription drug coverage. However, such health insurance is not always available. Perhaps you are transitioning from one job to another; or maybe you are employed part-time or with a temporary agency that does not offer full health coverage; or you might be attending or just graduating from school. In these situations, traditional health insurance is sometimes not available. If you are unable to afford traditional health insurance but would like some coverage in the case of an accident or emergency, short-term health insurance is your best bet.

Short-term health insurance fills the gap in health insurance coverage that may come about for a number of different reasons, including those listed above. The idea of short-term health insurance is built into the name - it is a short-term solution offering short-term coverage, with the expectation that at some point, you will begin or resume traditional health insurance coverage. It is designed for those who would like some coverage in case of accident or injury and covers only emergency or serious medical expenses, such as x-rays, ambulance fees, intensive care, and a certain amount of hospital care. Though policies vary, these are often standard in short-term health insurance coverage. However, short-term health insurance does not cover regular physician visits, nor do they cover pre-existing conditions. If you are looking for this sort of coverage, you should consider obtaining a traditional health insurance policy or looking into other options.

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