10 Private Health Insurance Plans for Freelancers and Families in 2025

7. Short-Term Health Insurance Plan

Short-term health insurance is perfect for freelancers or families in transition periods—between jobs, travel, or waiting for long-term insurance approval.

These plans cover hospitalization, accidents, and critical illnesses, often with lower premiums than standard policies. Coverage duration typically ranges from 3 to 12 months, making them ideal for temporary needs.

While short-term plans may exclude maternity or routine check-ups, they provide essential protection against unforeseen medical costs. Comparing multiple providers ensures you get the best value for temporary coverage.

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