Short-term insurance, however, isn’t something you should confuse with supplemental insurance. These are two different things. Supplemental insurance is used in addition to a regular insurance plan, as we discussed before, while short-term insurance is used in place of a traditional policy.

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As the name implies, short-term insurance is used to help with any short-term needs for health coverage. You might also hear it referred to as “temporary” insurance. Not everyone needs short-term insurance. In fact, there are specific situations in which you would need to purchase a short-term plan, and otherwise, you’d be better off with a secondary plan.