Which type of insurance allows people to tailor coverage over a range of 1—12 months?

Individual short-term insurance is designed to provide flexible coverage options for a limited period, typically ranging from 1 to 12 months. This type of insurance is particularly well-suited for individuals who may need temporary health insurance, such as those between jobs, students, or travelers. It allows policyholders to customize their coverage to meet their specific needs during a transitional phase without committing to long-term contracts or premiums.

Group insurance generally involves policies that cover a group of people, often provided by employers or organizations, with coverage terms that typically extend longer than just a month or two. Long-term insurance, on the other hand, is structured for extended coverage, often several years or more, primarily addressing chronic health care needs or long-term disability. Comprehensive insurance usually refers to policies that provide a broad range of coverage and does not focus on short-term flexibility. Therefore, choosing individual short-term insurance best aligns with the need for customizable, temporary coverage.