What is a potential downside of short-term health insurance?

Short-term health insurance is designed to provide temporary coverage for individuals who are in transitional phases, such as between jobs or waiting for other insurance to kick in. One of the main characteristics of short-term health insurance is that it often does not offer comprehensive coverage for ongoing healthcare needs. This means that while it might cover some immediate or specific medical expenses, it may not include essential benefits like preventive care, mental health services, or treatment for chronic conditions.

As a result, individuals who rely solely on short-term health insurance may find themselves at risk of high out-of-pocket costs if they require ongoing treatment or have health issues that extend beyond the coverage period. It is essential for consumers to understand this limitation so they can adequately plan for their healthcare needs, especially if they anticipate requiring sustained medical services.