Short Term Medical Insurance in 2025: Fast, Affordable Health Coverage Gaps

OnePoint Insurance Agency

Published on: 15/07/2025

Short Term Medical Insurance isn’t junk it’s just misunderstood. This blog breaks down exactly what STM covers (and what it doesn’t), who it’s for, and how it can be a smart, affordable way to stay protected between jobs, outside Open Enrollment, or when ACA plans aren’t a fit. Learn how to ethically use short-term health coverage, add riders like accident or hospital indemnity, and compare top carriers in 2025.