If you’re in between jobs or waiting for other coverage to begin, a short-term health plan may be a temporary option. These plans are not ACA-compliant and usually don’t cover pre-existing conditions, maternity, or mental health care — but they can help protect you in case of major illness or injury. Short-term plans are not guaranteed issue and may involve basic medical questions. They’re best used as a short-term solution when you don’t qualify for an ACA plan.