Short Term

Effective Jan 1, 2019, there are no longer any options for short term carriers. The state of CT requires that they cover all minimum essential benefits which the short term plans do not do, so they are no longer allowed to be written in CT.

A short term medical policy is a plan to cover you for the "short term" or to bridge a gap until your major medical policy comes into play. A short term plan typically lasts anywhere from 10 days to 6 months, depending on the carrier and plan. It is not a major medical plan and thus does not always follow the new ACA guidelines.

You can be turned down for certain pre-existing conditions or a pregnancy, which would not be the case for a major medical plan. Short term plans are going to be cheaper than a major medical plan, but it's sole purpose is that you at least have coverage in a gap or period where a major medical plan would not cover you, such as going over seas for a period of time or being in between jobs before employer benefits kick in.

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