--- title: 3 Situations Where Short-Term Health Insurance May Be A Good Idea description: Individuals or families who fall-into one of these 3 scenarios may want to consider enrolling in a short-term medical insurance plan. Call (734) 453-6000 image: https://www.finlan.com/hubfs/short%20term%20health%20insurance.png --- [Go Back Up](https://www.finlan.com/blog/short-term-medical#top) [Skip to Content](https://www.finlan.com/blog/short-term-medical#body) **Get a Quote  | ** Request Service  |  Phone: (734) 453-6000      [GET A QUOTE](https://www.finlan.com/quote)          **[REQUEST SERVICE](https://www.finlan.com/request-service)**        [PHONE: (734) 453-6000](tel:734-453-6000)       [![Finlan 100 Years Logo](https://www.finlan.com/hs-fs/hubfs/finlan_110_year_anniversary_logo.png?width=350&height=120&name=finlan_110_year_anniversary_logo.png "Finlan 100 Years Logo")](https://www.finlan.com) Toggle Menu - COVERAGES Toggle children for COVERAGES Main Menu (Press to Return) > COVERAGES - [Personal](https://www.finlan.com/personal-insurance) Toggle children for Personal COVERAGES (Press to Return) > Personal - [Get a Quote](https://www.finlan.com/personal-quote) - [Home](https://www.finlan.com/personal-coverages-home) - [Auto](https://www.finlan.com/personal-coverages-auto) - [Health](https://www.finlan.com/personal-coverages-health) - [Umbrella](https://www.finlan.com/personal-coverages-umbrella) - [Flood](https://www.finlan.com/personal-coverages-flood) - [Watercraft](https://www.finlan.com/personal-coverages-watercraft) - [Pet](https://www.finlan.com/personal-coverages-pet) - [Scheduled Property](https://www.finlan.com/personal-coverages-scheduled-property) - [Travel](https://bcbsglobalsolutions.com/individuals-and-families/international-medical-insurance/?header=y&link_id=151650&personalized=y) - [Commercial](https://www.finlan.com/commercial-insurance) Toggle children for Commercial COVERAGES (Press to Return) > Commercial - [Get a Quote](https://www.finlan.com/commercial-quote) - [Essential Coverage](https://www.finlan.com/commercial-coverages-standard-coverage) - [Property](https://www.finlan.com/commercial-coverages-property) - [Product](https://www.finlan.com/commercial-coverages-product) - [Auto](https://www.finlan.com/commercial-coverages-auto) - [Health](https://www.finlan.com/commercial-coverages-health) - [Umbrella](https://www.finlan.com/commercial-coverages-umbrella) - [Specialty Coverage](https://www.finlan.com/commercial-coverages-specialty-coverage) - [Life](https://www.finlan.com/life-insurance) Toggle children for Life COVERAGES (Press to Return) > Life - [Get a Quote](https://www.finlan.com/life-quote) - [Term Life](https://www.finlan.com/life-coverages-term-life) - [Whole Life](https://www.finlan.com/life-coverages-whole-life) - [Universal Life](https://www.finlan.com/life-coverages-universal-life) - [Annuities](https://www.finlan.com/life-coverages-annuities) - [FAQs](https://www.finlan.com/faqs) - [STAFF](https://www.finlan.com/staff) - WHY FINLAN Toggle children for WHY FINLAN Main Menu (Press to Return) > WHY FINLAN - [About Finlan](https://www.finlan.com/about-finlan-insurance) - [History](https://www.finlan.com/history) - [Employment Opportunities](https://www.finlan.com/employment-opportunities) - [Blog](https://www.finlan.com/blog) - [Refer a Friend](https://www.finlan.com/refer-a-friend) - [CONTACT US](https://www.finlan.com/contact-us) - [OUR PARTNERS](https://www.finlan.com/our-partners) [back to blog](https://www.finlan.com/blog) # 3 Situations Where Short-Term Health Insurance May Be A Good Idea [Individual Health & Life](https://www.finlan.com/blog/topic/individual-health-life) ![](https://www.finlan.com/hubfs/short%20term%20health%20insurance.png) Share article [mailto:?subject=3%20Situations%20Where%20Short-Term%20Health%20Insurance%20May%20Be%20A%20Good%20Idea&body=https%3A%2F%2Fwww.finlan.com%2Fblog%2Fshort-term-medical](mailto:?subject=3%20Situations%20Where%20Short-Term%20Health%20Insurance%20May%20Be%20A%20Good%20Idea&body=https%3A%2F%2Fwww.finlan.com%2Fblog%2Fshort-term-medical) In Michigan, Short-Term Medical Insurance plans are limited to 185 days in duration, and renewal is prohibited. Further, Short-Term plans do not provide coverage for treatment related to most pre-existing health conditions (*e.g.*, diabetes, asthma, cancer, etc.). To be sure, Short-Term plans are far more restrictive in terms of the care and services covered when compared to an Affordable Care Act (“ACA”) compliant / Major Medical plan. According to research from the Kaiser Family Foundation: - 43% of short-term plans do not cover mental health solutions; - 63% do not cover substance abuse treatments; - 100% of surveyed plans do not cover maternity care; and - 71% do not cover outpatient prescription drugs. Nevertheless, Individuals and families who fall-into one of the below scenarios may want to consider enrolling in a short-term medical insurance plan – rather than an ACA-compliant / Major Medical plan. - **Individuals Stuck in an Employer Waiting Period.** Many employers have a 90-day waiting period before health insurance benefits begin. A temporary Short-Term health plan may help “bridge the gap” for workers who are between jobs or stuck in a new employee waiting period. - **“Aging off” Parents’ Health Insurance Plan.** Low-cost Short-Term health insurance may be a good option for individuals turning 27 who do not have access to employer-sponsored health coverage, or who simply need a more affordable option. - **Early Retirees.** Those individuals retiring before they turn 65 – under most circumstances – do not yet qualify for Medicare, but many earn too much household income to qualify for an ACA subsidy.  Those “budget-conscious, not-quite-yet-senior-citizens” may find Short-Term health insurance to be a cost-effective alternative option to enrolling in a more costly ACA Compliant plan. ### Get a Short Term Health Insurance Quote Today! [Get Started](https://www.finlan.com/quote) ![](https://www.finlan.com/hubfs/linkedin_profile_photo.jpg) [mailto:](mailto:) ###### Finlan Insurance You May Like These ## Related Articles ![](https://www.finlan.com/hs-fs/hubfs/Michigan-Specific%20Commercial%20Insurance%20Considerations%20Every%20Business%20Owner%20Should%20Know.png?width=700&name=Michigan-Specific%20Commercial%20Insurance%20Considerations%20Every%20Business%20Owner%20Should%20Know.png) ### [Michigan-Specific Commercial Insurance Considerations Every Business Owner Should Know](https://www.finlan.com/blog/michigan-commercial-insurance-considerations-every-business-owner-should-know) ![](https://www.finlan.com/hs-fs/hubfs/Why%20Cyber%20Insurance%20Matters%20for%20Families%20and%20Businesses%20in%20Michigan.png?width=700&name=Why%20Cyber%20Insurance%20Matters%20for%20Families%20and%20Businesses%20in%20Michigan.png) ### [Why Cyber Insurance Matters for Families and Businesses in Michigan](https://www.finlan.com/blog/cyber-insurance-for-families-and-businesses) ![](https://www.finlan.com/hs-fs/hubfs/independent%20insurance%20agent.png?width=700&name=independent%20insurance%20agent.png) ### [Independent vs. Captive Insurance Agents in Michigan: What’s the Difference?](https://www.finlan.com/blog/independent-vs-captive-insurance-agents-michigan) [![finlan_110_year_anniversary_logo_white-1](https://www.finlan.com/hs-fs/hubfs/finlan_110_year_anniversary_logo_white-1.png?width=2676&height=463&name=finlan_110_year_anniversary_logo_white-1.png "finlan_110_year_anniversary_logo_white-1")](https://www.finlan.com) 47784 Halyard Dr., Plymouth, MI 48170 [734.453.6000](tel:7344536000) | [800.305.6060](tel:8003056060) [Get a Quote](https://www.finlan.com/quote) [Personal Insurance](https://www.finlan.com/personal-insurance) [Commercial Insurance](https://www.finlan.com/commercial-insurance) [Life Insurance](https://www.finlan.com/life-insurance) [Staff](https://www.finlan.com/staff) [FAQs](https://www.finlan.com/faqs) [About Finlan Insurance](https://www.finlan.com/about-finlan-insurance) [Careers](https://www.finlan.com/employment-opportunities) [Contact Us](https://www.finlan.com/contact-us) [Our Partners](https://www.finlan.com/our-partners) [Refer a Friend](https://www.finlan.com/refer-a-friend) **GET A QUOTE & BUY ONLINE** **TRAVEL INSURANCE** ![geoblue_logo_v2](https://www.finlan.com/hubfs/geoblue_logo_v2.svg "geoblue_logo_v2") [Quote & Buy](https://bcbsglobalsolutions.com/individuals-and-families/international-medical-insurance/?header=y&link_id=151650&personalized=y) **DENTAL INSURANCE** ![delta_dental_logo_v2](https://www.finlan.com/hubfs/delta_dental_logo_v2.svg "delta_dental_logo_v2") [Quote & Buy](https://www.mysmilecoverage.com/finlan/) [![ignite_logo_footer](https://www.finlan.com/hubfs/ignite_logo_footer.svg "ignite_logo_footer")](https://www.ignitexds.com/) Copyright © 2025 Finlan Insurance All Rights Reserved [Terms and Conditions](https://www.finlan.com/finlan-terms-conditions) | [Privacy Policy](https://www.finlan.com/finlan-privacy-policy) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Finlan Insurance", "url" : "https://www.finlan.com/blog/author/finlan-insurance" }, "dateModified" : "2025-11-19T19:41:06.818Z", "datePublished" : "2025-11-05T16:37:12.000Z", "headline" : "3 Situations Where Short-Term Health Insurance May Be A Good Idea", "image" : [ "https://www.finlan.com/hubfs/short%20term%20health%20insurance.png" ], "mainEntityOfPage" : { "@id" : "https://www.finlan.com/blog/short-term-medical", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.finlan.com/hubfs/finlan_110_year_anniversary_logo.png" } } } ``` ```json { "@context" : "https://schema.org", "@id" : "https://www.finlan.com/#agency", "@type" : "InsuranceAgency", "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "Plymouth", "addressRegion" : "MI", "postalCode" : "48170", "streetAddress" : "47784 Halyard Dr." }, "aggregateRating" : { "@type" : "AggregateRating", "bestRating" : "5", "ratingValue" : "4.92", "reviewCount" : "476", "worstRating" : "1" }, "alternateName" : "Finlan Insurance", "areaServed" : [ { "@type" : "AdministrativeArea", "name" : "Michigan" }, { "@type" : "City", "name" : "Plymouth" }, { "@type" : "City", "name" : "Canton" }, { "@type" : "City", "name" : "Northville" }, { "@type" : "City", "name" : "Livonia" } ], "description" : "C.L. Finlan & Son is an independent insurance agency in Plymouth, Michigan, serving families and businesses across Southeast Michigan since 1916 with personal, commercial, life, and health coverage from multiple carriers.", "email" : "Quotes@finlan.com", "faxNumber" : "+1-734-404-2370", "foundingDate" : "1916", "geo" : { "@type" : "GeoCoordinates", "latitude" : 42.3697, "longitude" : -83.47 }, "image" : "https://www.finlan.com/logo.png", "logo" : "https://www.finlan.com/logo.png", "name" : "C.L. 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