4 things to know about short-term health plans Texas Department of Insurance sent this bulletin at 12/19/2018 10:00 AM CST Having trouble viewing this email? View it as a Web page. Short-term health plans last 12 months or less. Premiums are often lower than major medical policies, but they usually have fewer benefits. It’s important to understand exactly what’s covered – and what’s not – before you buy. Learn more