They are usually cheaper than standard plans but may have limited coverage. See key risks, alternatives, and what to check before you buy. Short term medical (stm) insurance acts like a temporary major medical plan It provides broader coverage for a limited time, typically a few months up to a year, in accordance with washington state regulations. Short term medical insurance isn’t junk it’s just misunderstood This blog breaks down exactly what stm covers (and what it doesn’t), who it’s for, and how it can be a smart, affordable way to stay protected between jobs, outside open enrollment, or when aca plans aren’t a fit
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