What is a short-term health insurance plan?

A short-term health insurance plan is designed to provide temporary health coverage for individuals who may be between longer-term insurance options, such as waiting for employer-sponsored insurance to start or transitioning from a previous plan. These plans typically offer limited benefits and are intended for a fixed, short duration, often ranging from a few months to a year.

The essential characteristic of short-term health insurance is its temporary nature, which differentiates it from long-term coverage options that are usually structured to accommodate ongoing or chronic health issues. Additionally, individuals should be aware that short-term plans may not cover pre-existing conditions and often have restrictions concerning the types of medical services that can be accessed.

This specific definition clarifies why it is accurate to categorize this type of insurance as a temporary solution with limited benefits, making option B the correct choice.