Short-term health insurance can offer you temporary medical coverage in specific situations. Short-term plans are generally more affordable and can help bridge the gaps when traditional options aren’t available. STM plans also include co-pays, deductibles, and maximum out-of-pocket expense limits. These are fixed dollar amounts members will owe, rather than just a percentage for each claim submitted. This way, you know your costs upfront before visiting a medical facility, and if a major incident occurs, you won’t be left with an overwhelming bill.