There are alternatives to traditional medical insurance that may be more affordable for some individuals. These alternatives include healthcare-sharing ministries and short-term health plans. Healthcare sharing ministries are organizations where members share healthcare costs. Members pay a monthly fee and the money is used to cover healthcare costs for members who need it. Short-term health plans are medical insurance plans that provide best coverage for a limited period, typically up to 12 months. Short-term health plans are often more affordable than traditional medical insurance but they may not cover all healthcare services.