Short-term plans are temporary insurance plans that provide health coverage for individuals and families for a limited period—and can be renewed for up to three years. Short-term plans can be purchased at any time, unlike other plans available on the individual market which restrict enrollment to open enrollment periods or following a life-changing event. Coverage usually begins within a few days compared to other medical coverage that can take several weeks to begin. Because short-term plans are not subject to all of the same federal regulations as plans in the individual market, premiums are far more affordable and insurers can offer more customized choices. So why would nearly a dozen states ban them?