As of September 19, 2025 most states approved the Short Term Medical extension from three months to six or twelve month options. Florida has adopted and approved Short Term medical policies for up to twelve month term length of time for these plans.
These plans are medically underwritten and some offer copays for the first four doctor office visits, prescription drug coverage, and up to a 2 million dollar lifetime benefit for each covered person, eligible coverage for preexisting conditions (after twelve months on the plan) and include a nationwide network of over 1.8 million providers. These options are not always a perfect fit for everyone and do not include all of the ten essential benefits included in Qualified Health plans offered on the Marketplace.
However Short Term Medical Plans can prove invaluable in certain situations where Marketplace health Insurance may not be a possibility. This may include time periods outside of Open Enrollment when coverage is needed and there are not qualifying life event or periods where there is a waiting period between employer sponsored coverage beginning.