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As with standard insurance, all short term health insurance plans vary from company to company. However, because most insurers protect themselves by limiting or excluding benefits for pre-existing conditions, preventative, and routine health care services, premiums can be much lower than those for standard health insurance. Where a standard health insurance plan's monthly premium for individual coverage may be in the $250 to $400 range depending on coverage and deductible levels, the monthly premium for most temporary health insurance policies is usually below $100. What you pay will depend in large part on the deductible level you choose when acquiring short-term health insurance plans. Just like with standard health insurance, the lower the deductible, the higher the premium and vice-versa.