On April 1, 2017 a new regulation required all short-term health insurance to be limited to three months. Although this new regulation restricts the length of short-term health insurance plans, it does not mean that consumers will be forced to go without insurance. Instead, they will need to reapply every three months to avoid a lapse in coverage.
In order to protect the consumer, certain insurance providers have waived the pre-existing clause and underwriting for the additional terms. This protects the consumers should they have a serous illness or injury that would require additional treatment after their prior three month policy expires. While this is more cumbersome and requires a little more effort it may still provide a affordable solution for many individuals that cannot afford or do not want an Obamacare plan.
Currently I have two companies offering this type of program.
Short term plans do NOT cover pre-existing conditions, and do not provide all the mandated benefits of the Affordable Care Act. You may still be responsible for the Shared Responsibility Tax.