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Short-term policies offer coverage periods of up to six or12 months, depending on state regulations, and applicants facestringent underwriting procedures. Short-term insurance is oftenused by people between jobs who are trying to avoid costly COBRApolicies, which provide continued insurance after a workerleaves a company, and those waiting for workplace, Medicare,Medicaid and other benefits to kick in. Short-term policies alsoattract foreign students and workers who are in the UnitedStates legally but not covered by insurance from home.
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