Short-Term Health Insurance gives quick, temporary coverage (1 month to 1-2 years). It’s cheaper but has limited benefits—no pre-existing conditions, maternity, or long-term care. Good for gaps between jobs or waiting for other insurance. Not ACA-compliant, so check coverage carefully before buying!

Catastrophic Health Insurance is for emergencies only. It has very low monthly premiums but very high deductibles (you pay a lot before coverage starts). Best for young, healthy people who want protection from worst-case medical costs. Covers severe accidents/illnesses but not regular check-ups or minor treatments. Not for everyone—check your needs first!

Supplemental Insurance adds extra coverage to your main health plan. It helps pay costs your regular insurance doesn’t cover—like dental, vision, accidents, or critical illnesses. Examples: Medicare Supplement (Medigap), cancer plans, or hospital cash policies.

High-Deductible Health Plans (HDHP) offer lower monthly premiums but higher deductibles (you pay more before insurance kicks in). Best for healthy people who rarely visit doctors. Comes with HSA (Health Savings Account) for tax-free medical savings.