An affordable short term health insurance policy is ideal for persons in transition. As the name implies, the policy is an affordable and temporary medical insurance solution. Because of its small cost, fast purchase process and high coverage services, the affordable short term health insurance policies are ideal for those in-between jobs or waiting on another insurance plan, students who have recently graduated from colleges, and one without health insurance. The plans usually provide coverage from one month to twelve months.

Affordable short term health insurance plans assure you temporary coverage needed to pay for sudden accidents or illnesses. Their services include surgery, hospital care, emergency services, and even limited mental health. The policy does not offer anything for preventive care, physicals, immunizations, and dental or vision care. Pre-existing medical conditions are also excluded in the affordable short term health insurance. Affordable short tern health insurance is available only for those citizens who are below the age of 65.

An affordable short term health insurance policy is noted for its low premiums. For each plan such as individual or group plan, the premiums will differ by company and your geographic zip code. Many affordable short term health insurance plans permit you to disburse all of your premiums up front, or on a monthly basis. They also provide discounts when you opt for the single payment method.

Competitions between the insurers have now driven the cost of short term health insurance down. Most insurers provide you with a 30-day guarantee period of satisfaction. If you are not pleased with a policy, the companies will refund 100% of your premium within this time frame. To get your money back; you should not have charged any claims.

If you are not among the 174 million Americans bounded under the employer or other types of plans, the affordable short term health insurance policy might present a quality, low-cost health insurance option worth considering.