Short term health insurance is health insurance that lasts for six to 12 months, depending on your needs. Many people purchase short term health insurance policies because they have found themselves unemployed or laid off from their jobs; yet, they still need health insurance for themselves and their family members, and they need that health insurance coverage to be affordable. Actually, these are the reasons short term health insurance plans are designed.Short term health insurance in the US is affordable – not free. But the rates are low enough for unemployed people to afford. This makes short term health insurance in the US perfect for unemployed individuals. Instead of heading out to look for individual health insurance plans, or family and individual health insurance plans, they can turn to short term health insurance.Health and medical needs do not change just because you become unemployed or laid off. Unemployment does not mean your children are no longer at risk for catching the flu, having diabetic complications, or breaking an arm or a leg. The same complications apply to your and your spouse, too. Therefore, most short term health insurance packages in the US offer generally the same health and medical services your health insurance packaged offered you and your family when you were employed.Affordable short term health insurance in the US usually offers the same kinds of health and medical services that any other health insurance plans offer. You will have access to doctor visits, surgeries, inpatient and outpatient treatments and procedures, other hospitalization services, discounts on prescription medications, as well as dental and vision care.If you have found yourself unemployed or laid off from your job for any reason, do not assume you can no longer afford a health insurance plan. There are affordable short term health insurance plans in the US ready to help you stay healthy while you work on getting back on your feet.