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  • Writer's pictureJessica Wynn, MPH, RN

Short-Term vs. Private Health Insurance, Explained!

Updated: Jun 25, 2023

Short-term health insurance and private health insurance are both types of health insurance that can be purchased by individuals, but they have some key differences.

Short-term health insurance is a type of insurance that provides coverage for a limited period of time, usually from one month to one year. It is typically used as a temporary solution for people who are between jobs, waiting for employer-based coverage to start, or for those who are not eligible for government-funded programs such as Medicaid or the Affordable Care Act. Short-term health insurance plans are generally less expensive than private health insurance plans, but they also have more limited coverage and exclusions.

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Private health insurance, on the other hand, is a type of insurance that is purchased by individuals or provided by employers. It is typically offered by insurance companies, and plans can be customized to meet the specific needs of the individual or group. Private health insurance plans can be more expensive than short-term health insurance plans, but they also have more comprehensive coverage and more extensive networks of providers. They also have a longer term of coverage, usually one year or more.


In summary, short-term health insurance is a temporary solution for those who need coverage but have limited options, while private health insurance is a more comprehensive and long-term solution that can be customized to meet the specific needs of the individual or group.

If you would like to see how much a short-term plan would cost in comparison to private health insurance give Jessica Wynn, MPH, RN, Independent Health Insurance Broker at Seven Insurance Corp, at 530-512-0679 or visit us at www.seveninsurehealth.com.

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