What does "short-term health insurance" primarily cover?

Short-term health insurance is designed to provide temporary coverage for individuals during periods when they are without health insurance. It primarily addresses unexpected medical needs that may arise in a short timeframe, such as sudden illnesses or accidents. This type of insurance can help cover emergency room visits, urgent care consultations, and other unforeseen medical expenses that could arise while an individual is transitioning between long-term health plans or waiting for coverage to begin.

The coverage tends to be limited in duration—typically ranging from a few months up to a year—and the benefits may not be as comprehensive as those found in long-term health insurance plans. It's crucial to understand that short-term plans don't cater to long-term medical needs or chronic conditions; they are not designed for ongoing treatments or preventative care. Hence, the answer highlighting "temporary health insurance for unexpected medical needs" accurately reflects the primary intention and function of short-term health insurance.