Which statement accurately describes short-term health insurance?

Short-term health insurance is specifically tailored to provide temporary coverage for individuals in need of insurance for a limited time period. This type of insurance is particularly beneficial for people transitioning between jobs, recent graduates, or those waiting for other health coverage to begin. It typically offers essential health benefits but does not cover the full spectrum of services that would be found in comprehensive long-term plans.

The focus on temporary, short-duration coverage distinguishes this type of insurance from comprehensive plans, which are designed to cover a wide array of health services. It also contrasts with long-term coverage aimed at managing chronic illnesses, as short-term health insurance is not intended for ongoing, sustained health needs. Additionally, while short-term policies may come with varied premium amounts, they are generally more affordable than typical long-term health plans, which require higher monthly premiums due to the breadth of coverage provided.

Understanding these characteristics underscores the role of short-term health insurance as a stopgap measure, making option B the most accurate description of this type of insurance.