Introduction
Digital nomads have changed:
where work happens.
Your office might be:
Miami this month
Austin next month
Mexico City after that
and:
Lisbon by winter.
But healthcare doesn’t become:
location-independent
just because your job does.
A freelancer or remote worker leaving employer-sponsored health insurance may suddenly need coverage for:
Doctor visits
Unexpected illnesses
Emergency treatment
Hospitalization
Prescription drugs
and:
Medical care while traveling.
That can make short-term health insurance look attractive.
It can sometimes offer:
temporary coverage
at a lower premium than comprehensive individual health insurance.
But there’s an important catch:
Short-term health insurance is not the same as ACA-compliant major medical insurance.
Federal agencies describe short-term, limited-duration insurance—often abbreviated STLDI—as coverage primarily intended to fill temporary gaps when someone transitions between health plans.
For digital nomads, the situation becomes even more complicated because:
health insurance and travel medical insurance aren’t necessarily interchangeable.
Before choosing short-term coverage simply because it’s:
inexpensive and flexible,
you need to understand:
what you’re actually buying.
What Is Short-Term Health Insurance?
Short-term health insurance is temporary medical coverage designed primarily to:
bridge gaps between more comprehensive forms of health insurance.
For example:
Leaving one employer
↓
Temporary coverage gap
↓
Starting another employer’s health plan
That is the traditional role of:
short-term limited-duration insurance.
CMS describes STLDI as coverage primarily designed for temporary gaps, such as moving from one employer’s health coverage to another.
Why Digital Nomads Consider Short-Term Health Insurance
Digital nomads often have unusual employment arrangements.
You might be:
Self-employed
A freelancer
An independent contractor
Between jobs
Working remotely for a startup
or:
Moving between countries frequently.
Unlike a traditional employee, you may not receive:
employer-sponsored health insurance.
That makes finding individual coverage:
your responsibility.
Short-term coverage can appear attractive because it may provide a temporary option while you:
Wait for new employer coverage
Transition between insurance plans
Relocate
or:
Resolve another short coverage gap.
Short-Term Health Insurance for Digital Nomads: Quick Overview
| Feature | Short-Term Health Insurance |
|---|---|
| Designed for temporary gaps | Yes |
| ACA-compliant major medical coverage | No |
| Pre-existing-condition protections | Not the same as ACA plans |
| Essential health benefits guaranteed | No |
| Medical underwriting possible | Yes |
| Premiums may be relatively low | Potentially |
| Nationwide provider network | Depends on plan |
| International medical coverage | Often limited or absent |
| Suitable as permanent nomad coverage | Generally not its intended purpose |
| State availability | Varies |
| Policy duration | Depends on current federal/state rules |
| Marketplace subsidies | No |
The 2026 Short-Term Insurance Rule Requires Extra Attention
This is especially important because:
the federal regulatory situation has been changing.
The 2024 federal final rule revised the definition of short-term, limited-duration insurance so that policies sold or issued on or after September 1, 2024 were limited to:
an initial contract term of no more than three months
and:
a maximum coverage period of no more than four months,
including renewals and extensions.
However, that isn’t the whole story in 2026.
Federal Agencies Changed Their Enforcement Approach
On August 7, 2025, the Departments of Labor, Health and Human Services and Treasury announced that they intended to reconsider the regulatory definition through future rulemaking.
Until future rulemaking becomes applicable, the departments said they:
do not intend to prioritize enforcement actions
for violations related to failure to satisfy the STLDI definition established by the 2024 final rule.
They also encouraged states to consider a similar enforcement approach.
This creates an important distinction between:
the text of the 2024 federal rule
and:
the federal government’s current enforcement position.
What Does That Mean for Consumers in 2026?
Don’t assume:
“Every short-term plan can last exactly four months.”
And don’t assume:
“Short-term plans can definitely last three years again.”
Instead:
check the rules and products available in your state when you apply.
State law can impose:
additional restrictions.
And available products can differ considerably from:
one state to another.
For digital nomads who regularly change residence, this becomes particularly important.
Short-Term Insurance Isn’t ACA-Compliant Major Medical Coverage
This is probably:
the most important fact in this guide.
STLDI is generally exempt from many individual-market requirements and consumer protections that apply under the Affordable Care Act.
That can affect:
Pre-existing conditions
Benefit requirements
Medical underwriting
Coverage limitations
and:
Eligibility.
A short-term plan shouldn’t be evaluated simply as:
“cheaper ACA insurance.”
It’s a:
different type of product.
ACA Plans vs. Short-Term Health Insurance
| Feature | ACA Marketplace Plan | Short-Term Plan |
|---|---|---|
| ACA-compliant | Yes | No |
| Pre-existing-condition protections | Yes | Not equivalent |
| Essential health benefits | Required | Not necessarily |
| Medical underwriting | No health-status denial for ACA Marketplace coverage | May apply |
| Marketplace premium subsidies | Potentially | No |
| Temporary bridge purpose | Not specifically | Yes |
| Coverage availability | Marketplace enrollment rules | Product/state rules |
| International coverage | Usually limited | Usually limited; check plan |
| Comprehensive long-term protection | Designed for this | Generally not |
What Are Essential Health Benefits?
ACA-compliant individual and small-group plans generally cover categories of:
essential health benefits.
HealthCare.gov describes these as including services such as:
Doctors’ services
Hospital care
Prescription drugs
Pregnancy and childbirth
Mental health services
and:
Other qualifying healthcare categories.
Short-term insurance isn’t subject to the same federal ACA essential-benefit requirements.
That means you need to inspect:
what the specific short-term policy actually covers.
Advantage 1: Short-Term Coverage Can Fill a Real Gap
Short-term insurance has:
a legitimate purpose.
Suppose you’re leaving:
Employer A
on June 30.
Your new employer coverage doesn’t begin until:
September 1.
You have:
two months without ordinary health coverage.
A short-term plan may potentially provide:
temporary protection during that transition.
That’s exactly the kind of bridge situation STLDI was traditionally designed to address.
Advantage 2: Premiums May Be Lower
One reason short-term plans attract attention is:
price.
Premiums can potentially be lower than comprehensive coverage.
But lower premiums can partly reflect:
less comprehensive protection.
Don’t compare:
premium vs. premium
without also comparing:
Deductible
Coinsurance
Coverage limits
Exclusions
Prescription benefits
Pre-existing-condition provisions
and:
Maximum out-of-pocket exposure.
Example: Cheap Premium, Expensive Claim
Suppose:
Plan A costs $180 per month.
Plan B costs $450 per month.
Plan A looks dramatically cheaper.
But imagine Plan A:
Excludes a condition relevant to you
Provides limited prescription benefits
Uses a restrictive network
and:
Has substantial cost-sharing.
A low premium doesn’t automatically mean:
lower total healthcare cost.
Insurance should be compared based on:
protection,
not simply:
monthly price.
Advantage 3: It May Be Useful Between Jobs
Digital nomads frequently move between:
freelance work
and:
full-time employment.
Suppose you leave one company but expect your next employer plan to start:
two months later.
Temporary insurance may provide:
a bridge.
However, also compare:
COBRA
Marketplace coverage
and:
Other available options
before deciding.
Advantage 4: Temporary Coverage Can Fit Temporary Needs
Short-term insurance makes the most conceptual sense when:
the insurance need itself is temporary.
For example:
You know comprehensive coverage begins soon
or:
You’re filling a defined transition period.
It makes less sense to repeatedly rely on temporary products when your actual need is:
continuous comprehensive healthcare coverage.
Advantage 5: It Can Provide Protection Against Certain Unexpected Medical Events
Depending on the plan, short-term insurance may cover qualifying:
Doctor services
Emergency treatment
Hospitalization
Diagnostic services
or:
Other medical expenses.
But never assume those benefits exist.
Read:
the actual policy.
The Major Disadvantages
Short-term insurance can have substantial limitations.
For digital nomads, those limitations can become even more important because:
location changes frequently.
Let’s examine them individually.
Disadvantage 1: Pre-Existing Conditions
ACA-compliant individual-market coverage provides important protections for:
pre-existing conditions.
Short-term insurance doesn’t have to provide equivalent protection.
CMS specifically notes that STLDI isn’t subject to key ACA protections, including the same guarantees for people with pre-existing conditions.
This can be:
a major limitation.
What Counts as a Pre-Existing Condition?
The answer depends on:
the policy and applicable law.
Insurers may examine:
Previous diagnoses
Prior symptoms
Medications
Medical treatment
or:
Medical history.
Don’t assume that:
“I feel healthy today”
means an insurer will treat every future claim as:
unrelated to prior health history.
Example: Pre-Existing Condition Problem
Suppose a freelancer previously received treatment for:
recurring back pain.
They purchase short-term coverage.
Later, while traveling, the back problem becomes severe and requires:
expensive treatment.
Depending on the policy’s pre-existing-condition provisions:
coverage could be limited or excluded.
That’s very different from ACA-compliant major medical coverage.
Disadvantage 2: Medical Underwriting
Short-term insurance can use:
health information
in ways ACA-compliant individual-market plans generally cannot.
CMS notes that these plans aren’t subject to the same ACA protections against discrimination based on:
health status.
That means eligibility and pricing can depend more heavily on:
your health profile.
Disadvantage 3: Essential Benefits Aren’t Guaranteed
Don’t assume a short-term policy provides the same benefit package as:
ACA coverage.
Coverage for areas such as:
Prescription drugs
Mental healthcare
Maternity
Preventive care
and:
Other services
can differ substantially.
You need to examine:
each benefit category.
Disadvantage 4: International Coverage May Be Weak or Nonexistent
This is especially important for:
digital nomads.
A U.S. short-term health plan is not automatically:
worldwide medical insurance.
Suppose you’re insured in the United States but spend:
three months in Thailand.
You become ill and need hospitalization.
Your U.S. short-term plan may:
not provide the international protection you expected.
Check:
Coverage territory
International exclusions
Emergency-only provisions
Provider rules
and:
Reimbursement requirements.
Health Insurance vs. Travel Medical Insurance
These are:
not automatically the same thing.
Domestic Health Insurance
Primarily addresses healthcare within:
its covered service area/network.
Travel Medical Insurance
May focus on:
Emergency illness abroad
Accidental injury abroad
Emergency medical evacuation
and:
Travel-related medical emergencies.
International Health Insurance
Can be designed for:
longer-term global healthcare needs,
depending on the plan.
A digital nomad may therefore need to evaluate:
more than one type of coverage.
Example: Nomad Spending Six Months Abroad
Suppose:
Alex lives in California.
He plans:
Two months in Mexico
Two months in Spain
and:
Two months in Thailand.
A U.S. short-term health policy may not provide:
comprehensive medical protection in all three countries.
Alex should verify:
Geographic coverage
Emergency treatment abroad
Routine healthcare abroad
Medical evacuation
Repatriation
and:
Claims reimbursement procedures.
Disadvantage 5: Provider Networks Can Be a Problem
Digital nomads move:
frequently.
Your insurer’s preferred network may not.
A plan that works well in:
Texas
might be far less useful when you’re temporarily living in:
New York.
Before buying, investigate:
Network type
Out-of-network coverage
Emergency care
Telehealth
and:
Multi-state provider access.
Don’t Assume “PPO” Means Everything Is Covered Everywhere
Even if a policy advertises:
broad network access,
verify:
Which providers participate
What happens outside the network
Whether out-of-area care is covered
and:
How emergency services are handled.
A digital nomad should test:
several likely destinations
before purchasing.
Disadvantage 6: Prescription Coverage May Be Limited
If you take:
regular medication,
this deserves careful attention.
Check whether:
Prescription drugs are covered
Your medication is included
A deductible applies
There are benefit caps
Mail-order prescriptions are available
and:
You can refill while traveling.
For someone taking ongoing medication, prescription limitations can outweigh:
premium savings.
Disadvantage 7: Maternity Coverage May Be Limited
Anyone who may need:
pregnancy or maternity care
should examine short-term coverage extremely carefully.
Short-term policies aren’t subject to the same ACA essential-health-benefit requirements.
Don’t assume:
prenatal care,
delivery,
or:
newborn care
is covered simply because the product is called:
health insurance.
Disadvantage 8: Mental Health Coverage May Differ
Digital nomad life can involve:
Isolation
Frequent relocation
Time-zone changes
Work instability
and:
Limited local support networks.
Mental health benefits can therefore be:
particularly valuable.
Short-term plans may not provide mental health protection equivalent to:
comprehensive ACA coverage.
Check:
Outpatient therapy
Psychiatric care
Prescription medication
Telehealth
and:
Inpatient treatment.
Disadvantage 9: Coverage Can End When You Still Need It
Temporary insurance creates:
expiration risk.
Imagine your policy expires while you’re:
receiving treatment.
You may need another coverage solution.
But obtaining a new short-term policy may depend on:
Health status
State rules
Insurer rules
and:
Current federal requirements.
Never assume:
renewal is guaranteed.
Disadvantage 10: Short-Term Coverage Isn’t a Long-Term Strategy
This is perhaps the biggest conceptual mistake.
Short-term insurance is designed to address:
temporary gaps.
If you’re a full-time digital nomad for:
five years,
your health insurance need isn’t:
temporary.
It’s:
continuous.
That means you should compare comprehensive options rather than automatically trying to extend:
bridge coverage indefinitely.
Short-Term Insurance vs. ACA Marketplace Coverage
For many U.S.-based digital nomads, an ACA Marketplace plan should be:
part of the comparison.
HealthCare.gov says individuals without qualifying job-based coverage can use the Marketplace and may qualify for:
premium or out-of-pocket savings
depending on household income and other eligibility factors.
ACA plans provide:
substantially stronger federal consumer protections
than STLDI.
When Marketplace Coverage May Be Better
ACA coverage may be particularly important if you:
Have pre-existing conditions
Need regular prescriptions
Need mental health treatment
Expect pregnancy/maternity care
Need ongoing specialist care
Want comprehensive benefits
or:
Need predictable long-term coverage.
Don’t assume Marketplace coverage is unaffordable until you’ve checked:
whether you qualify for financial assistance.
Short-Term Insurance vs. COBRA
If you’re leaving an employer, you may have access to:
COBRA continuation coverage
depending on eligibility.
COBRA can allow you to temporarily continue:
your existing employer health plan.
Potential advantage:
continuity.
Potential disadvantage:
you may pay much more of the premium yourself.
When leaving a job, compare:
COBRA
Marketplace coverage
and:
Short-term insurance
rather than automatically choosing:
the cheapest monthly premium.
Short-Term Insurance vs. Travel Insurance
Travel insurance is primarily designed around:
travel-related risks.
Depending on the product, it may include:
Trip cancellation
Trip interruption
Lost baggage
Travel delays
and:
Emergency medical coverage.
That’s different from:
ordinary health insurance.
A travel policy shouldn’t automatically be treated as:
comprehensive health coverage.
Short-Term Insurance vs. International Health Insurance
For someone genuinely living:
internationally
rather than simply taking vacations, international health insurance may deserve consideration.
Depending on the policy, international health plans can potentially provide:
Routine medical care
Hospital treatment
Specialists
International provider access
and:
Long-term global coverage.
But products vary enormously.
Check:
Home-country coverage
U.S. coverage
Pre-existing conditions
Deductibles
Networks
and:
Evacuation benefits.
Digital Nomad Scenario 1: Between U.S. Jobs
Situation
You leave your job:
June 1.
Your new employer coverage starts:
August 1.
You’re staying:
in the United States.
This is the kind of:
defined temporary gap
where short-term insurance may be worth comparing with:
COBRA
and:
Marketplace options.
Digital Nomad Scenario 2: Full-Time International Traveler
Situation
You’re self-employed and plan to spend:
nine months abroad.
Short-term U.S. health insurance alone may be:
a poor fit
if it doesn’t provide adequate:
international medical coverage.
You may need to evaluate:
International health insurance
Travel medical coverage
and:
U.S. coverage for periods at home.
Digital Nomad Scenario 3: Freelancer With Chronic Condition
Suppose you have:
diabetes
requiring:
Regular physician visits
Laboratory testing
and:
Prescription medication.
Short-term coverage’s potential:
pre-existing-condition limitations
can make it considerably less suitable than:
ACA-compliant coverage.
Digital Nomad Scenario 4: Healthy Freelancer Between Plans
Suppose you’re:
28,
generally healthy,
between employer plans for:
six weeks,
and staying within:
one U.S. state.
A short-term policy may potentially be:
worth comparing
if legally available and if you fully understand:
Coverage limits
Exclusions
Deductible
and:
Network.
Still compare Marketplace and COBRA alternatives.
Digital Nomad Scenario 5: Remote Worker Crossing State Lines
Suppose you work remotely and spend:
January–March in Arizona
April–June in Colorado
July–September in New York
and:
October–December in Florida.
Your biggest question isn’t simply:
“What’s my premium?”
It’s:
Where can I actually receive covered care?
Network portability can be critical.
What About Telehealth?
Telehealth can be:
particularly useful for digital nomads.
But verify:
Whether the plan covers telehealth
Which platform/providers must be used
Cost-sharing
and:
Whether providers can legally treat you in the state where you’re physically located.
A telehealth benefit doesn’t necessarily mean:
one doctor can treat you from anywhere.
Licensing and plan rules can matter.
Emergency Medical Evacuation
A serious medical emergency abroad may require:
transportation to an appropriate medical facility.
That can potentially cost:
a significant amount.
Ordinary domestic health insurance may not provide the evacuation protection expected by:
international travelers.
Digital nomads should specifically investigate:
medical evacuation coverage
rather than assuming it’s included.
Repatriation Coverage
Some international or travel policies may include:
repatriation-related benefits.
These are different from:
ordinary medical expenses.
Read definitions carefully because:
Medical evacuation
Emergency transportation
and:
Repatriation
can mean:
different things.
The Cheapest Plan Can Become the Most Expensive Plan
Suppose you save:
$250 per month
by choosing limited coverage.
Annual savings:
$3,000.
Then you have a medical event resulting in:
tens of thousands of dollars
of expenses that your policy:
excludes or limits.
The premium savings become:
irrelevant.
Insurance should protect against:
financially significant risks,
not merely produce:
the smallest monthly bill.
What Should Digital Nomads Check Before Buying?
Before enrolling in short-term health insurance, check:
- Whether STLDI is currently available under your state’s rules
- Exact policy duration
- Renewal rights
- Medical underwriting
- Pre-existing-condition exclusions
- Deductible
- Coinsurance
- Benefit maximums
- Out-of-pocket exposure
- Hospital coverage
- Emergency room coverage
- Prescription drugs
- Mental health
- Maternity
- Preventive care
- Specialist care
- Telehealth
- Provider network
- Out-of-network benefits
- Multi-state coverage
- International coverage
- Emergency medical evacuation
- Repatriation
- Exclusions
- Claims procedures
- Whether ACA Marketplace coverage is available
- Whether you qualify for Marketplace financial assistance
- Whether COBRA is available
Questions to Ask Before Buying Short-Term Coverage
1. Is This ACA-Compliant Insurance?
For STLDI:
generally no.
2. Are My Pre-Existing Conditions Covered?
Get a:
specific answer.
3. Are Prescription Drugs Covered?
Check:
your actual medications.
4. What Is the Maximum Benefit?
Don’t look only at:
the deductible.
5. Is There a Provider Network?
And does it work in:
your destinations?
6. What Happens Outside My Home State?
Critical for:
domestic nomads.
7. What Happens Outside the United States?
Critical for:
international nomads.
8. Is Emergency Evacuation Covered?
Never assume.
9. Can the Policy Be Renewed?
Check:
current federal, state and insurer rules.
10. What Happens If I Become Ill Near the End of the Policy?
This can reveal:
significant continuation risk.
Red Flags When Shopping for Short-Term Insurance
Be cautious if marketing makes a plan sound like:
comprehensive ACA insurance
without clearly explaining its limitations.
Watch for:
Very low premiums without clear benefit details
Unclear pre-existing-condition language
No clear provider network
Large benefit exclusions
Unclear international coverage
Confusing renewal promises
or:
Pressure to purchase immediately.
Read:
the policy documents—not just the sales page.
Should You Buy Short-Term Health Insurance?
Short-term insurance may make sense when:
your coverage gap is genuinely temporary
and:
you understand the limitations.
It may be worth considering if:
You’re between employer plans
You have a clearly defined short coverage gap
Other comprehensive options are unavailable or unsuitable
and:
You’ve carefully reviewed exclusions and benefits.
When Short-Term Insurance May Be a Poor Choice
Be particularly cautious if:
You have significant pre-existing conditions
You require regular prescriptions
You need ongoing specialist care
You expect maternity care
You need comprehensive mental health benefits
You spend substantial time abroad
or:
You need dependable long-term coverage.
In those situations, a limited temporary policy may not match:
your actual healthcare needs.
Pros and Cons Summary
| Pros | Cons |
|---|---|
| Can bridge temporary gaps | Not ACA-compliant major medical coverage |
| May have lower premiums | Pre-existing conditions may be excluded |
| Can suit certain between-job situations | Medical underwriting may apply |
| Temporary enrollment flexibility | Essential benefits aren’t guaranteed |
| May cover certain unexpected medical events | International coverage may be limited |
| Useful when comprehensive coverage begins soon | Network may not suit frequent travelers |
| Can preserve some protection during transition | Prescription/maternity/mental-health benefits may be limited |
| Potential alternative worth comparing | Not designed as permanent nomad health coverage |
A Better Digital Nomad Insurance Strategy
Instead of asking:
“What’s the cheapest health insurance?”
ask:
Where will I actually live during the next 12 months?
Then build coverage around:
your geography.
For example:
Mostly U.S.-Based
Consider:
ACA Marketplace coverage
Employer coverage
COBRA
and:
Short-term coverage only for genuine temporary gaps.
Mostly International
Consider:
International health insurance
and/or:
Appropriate travel medical protection.
Split Between U.S. and Abroad
Pay particular attention to:
U.S. medical coverage
International benefits
Home-country exclusions
and:
Emergency evacuation.
Frequently Asked Questions
What is short-term health insurance?
Short-term limited-duration insurance is temporary health coverage primarily designed to fill gaps when someone transitions between more comprehensive forms of coverage.
Is short-term health insurance ACA-compliant?
No. STLDI is generally exempt from many individual-market requirements and consumer protections applicable under the ACA.
Does short-term health insurance cover pre-existing conditions?
It doesn’t provide the same federal pre-existing-condition protections as ACA-compliant individual-market coverage. Policy underwriting and exclusions can therefore be critical.
How long can short-term health insurance last in 2026?
This requires checking current federal and state rules. The 2024 federal final rule limited newly issued STLDI to an initial term of no more than three months and a maximum of four months including renewals/extensions. However, in August 2025 federal agencies announced they would reconsider the definition and would not prioritize enforcement of violations involving the 2024 definition until future rulemaking becomes applicable. State restrictions can also apply.
Is short-term insurance good for digital nomads?
Sometimes, particularly for a genuine temporary U.S. coverage gap. But it can be a poor substitute for comprehensive or international health coverage when someone travels continuously.
Does short-term insurance cover international travel?
Not necessarily. Check the policy’s geographic coverage carefully. A domestic short-term health policy shouldn’t automatically be assumed to provide comprehensive medical protection abroad.
Is short-term health insurance the same as travel insurance?
No. Travel insurance generally focuses on travel-related risks and may include emergency medical benefits, while health insurance addresses healthcare according to its own policy structure.
Can digital nomads buy Marketplace insurance?
Eligible U.S. consumers can obtain Marketplace coverage, subject to enrollment and eligibility rules. People without qualifying employer coverage may also qualify for financial assistance based on household income and other factors.
Is short-term health insurance cheaper?
It may have a lower premium, but lower premiums can reflect more limited coverage. Compare total financial exposure rather than premium alone.
Can short-term coverage replace comprehensive health insurance?
It generally shouldn’t be viewed as an equivalent replacement. Federal agencies characterize STLDI as temporary bridge coverage rather than comprehensive long-term individual coverage.
Final Thoughts
For a digital nomad, flexibility matters.
But:
health insurance needs more than flexibility.
It needs to work:
where you actually are.
Short-term health insurance can have a legitimate role when you’re:
Between jobs
Waiting for new coverage
or:
Bridging another clearly defined temporary gap.
Federal regulators themselves describe STLDI as coverage traditionally designed to fill temporary gaps between health plans.
But digital nomads should be especially careful because:
temporary U.S. health insurance isn’t automatically global health insurance.
Before purchasing, investigate:
Pre-existing conditions
Medical underwriting
Hospital benefits
Prescription drugs
Mental health
Provider networks
Multi-state coverage
International treatment
Emergency evacuation
and:
Policy duration.
The regulatory picture also deserves attention in 2026. The 2024 federal rules imposed a three-month initial-term/four-month maximum-duration framework for newly issued policies, but federal agencies announced in August 2025 that they would reconsider that definition and, in the meantime, would not prioritize enforcement of violations tied to it. State law remains important.
So don’t choose coverage based on an old article that simply says:
“Short-term insurance lasts X months.”
Check:
the rules and products currently available in your state.
And don’t choose solely based on:
premium.
The better question for a digital nomad is:
“Will this policy protect me where I’m going and for the healthcare risks I actually have?”
If the answer isn’t clear:
keep comparing.
Disclaimer
This article is for general educational purposes only and isn’t individualized insurance, medical, legal, tax or financial advice. Short-term health insurance rules, enforcement policies and product availability can change and vary by state. Coverage, exclusions, medical underwriting, policy duration, networks and international benefits vary by insurer and contract. Verify current federal and state requirements and carefully review the actual policy before enrolling.