What Is Short Term Health Insurance? There’s been some changes recently so let’s talk about what short term health insurance is. The preferred nomenclature “short term health insurance Plan” (STHI) can be used interchangeably with “short term medical insurance” (STM), or “short term insurance” (STI). These plans are generally much more affordable than a typical major medical insurance plan and have significantly lower premiums. In addition to being much less expensive, short term insurance has three major advantages. Keep your doctor! First, and most important, a short term medical plan can be used to pay for services from ANY doctor or hospital, with no restrictions... so yes you can keep your doctor! Second, short term health insurance plans can be obtained any time of year and are not limited to the Open Enrollment Period. You can apply anytime you want! Third, the application approval process takes only a few minutes. Use your new coverage the next day! Fourth, bears repeating: these health plans are much more affordable! At Agile Health Insurance, we provide the best health care solutions and are the leading providers of affordable short term health insurance plans. Even though we think we they’re pretty great, these types of health insurance may not be right for you, so read more about them at 'What is Short Term Health Insurance?'