Wallet, cash bills and stethoscope Nine of the 12 short-term plans reviewed had deductibles ranging from $10,000 to $12,500 for a six-month period. (Photo: Shutterstock)

Exemptions, exclusions and high deductibles mean short-term health plans could leave people with significantly less coverage than anticipated if they are infected with COVID-19.

The findings in a study from The Commonwealth Fund urge policymakers to consider whether the short-term plans with all their limitations will adequately meet consumers’ needs during the pandemic. The study also said states could prohibit marketing of the policies during the pandemic or require them to cover COVID-19 testing and treatment without cost-sharing.

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