How is "short-term health insurance" defined in Colorado?

Short-term health insurance in Colorado is defined as coverage that provides insurance for periods less than 12 months. This type of insurance is designed to offer temporary health care coverage for individuals who may be transitioning between jobs, waiting for other coverage to begin, or facing a lapse in their existing health insurance. The specific emphasis on coverage lasting less than 12 months highlights its intended role as a stop-gap solution rather than a permanent health insurance option.

This definition aligns with regulatory standards and helps ensure consumers understand that short-term plans are not meant for long-term coverage. These plans often have limitations on benefits and may not cover all healthcare needs, distinguishing them from standard health insurance policies that typically offer comprehensive, long-term coverage.