In a situation where you know exactly how long you will need coverage and that amount of time is less than 30 days, there are two main options that will work for you. Since most short-term health insurance plans will not offer coverage for less than 30 days, you can make one payment for the purchase of a 30-day coverage period or choose to pay for the premium monthly and then terminate the plan when you have obtained other coverage. An important consideration is that short-term plans do not offer partial refunds for unused coverage.