Short-Term Health Insurance FAQs

Is loss of my short-term coverage a qualifying event?

Short-term health insurance policies are not considered minimum essential coverage under the ACA, which means that the termination of a short-term policy is not a qualifying life event that triggers a special enrollment period for an ACA-compliant individual market plan.

As noted above, however, the termination of a short-term health plan does trigger a special enrollment period that will allow a person to enroll in an employer’s group health plan, if one is available to the person.