It’s no secret that Americans struggle to afford health insurance – and rightfully so as health care costs continue to rise. One type of health insurance that has been increasingly popular for those short on funds is short term health insurance. Short term health insurance may not provide the comprehensive coverage of an ordinary major medical plan, but there are several benefits that may make them an attractive option for those trying to manage their health care costs.

First, short term health insurance plans are much more affordable than major medical plans. Because of its limited coverage, plan premiums are dramatically lower. Even the most expensive short term plan option costs much less than the cheapest major medical policy. This makes short term health insurance a great option for those who need some type of coverage but cannot afford an ordinary major medical plan.

Second, short term health insurance plans offer flexibility. Unlike major medical plans, which are normally restricted to a certain set of benefits, short term policies are customizable and can be tailored to meet individual needs and budget. In other words, customers can pick and choose the coverage that’s right for them, enabling them to only pay for the coverage they need.

Third, short term health insurance plans provide coverage from the day they are purchased. This makes them an attractive option for those who need coverage immediately and can’t wait for a major medical plan to kick in. Additionally, short term health insurance plans can be renewed multiple times, giving customers the flexibility to extend their coverage for as long as they need it.

Finally, short term health insurance plans do not require customers to endure lengthy enrollment periods or be subjected to preexisting condition exclusions. For those who don’t qualify for a traditional major medical policy due to a preexisting condition, short term health insurance is a great alternative.

Despite their limited coverage, short term health insurance plans can be a great way to manage health care costs and provide much-needed coverage for those who cannot afford an ordinary major medical plan. So for those looking for an affordable and flexible health insurance solution, short term health insurance may be worth considering.