How long is individual medical expense insurance normally written for?

Individual medical expense insurance is typically written for a duration of one year. This standard period allows insurers to evaluate risk and adjust premiums based on the changing healthcare needs and costs of the insured. The yearly policy structure also provides flexibility for both the insurer and the insured to reassess coverage options, benefits, and any changes in health care costs or insurance markets. As a result, these policies can be renewed annually, which allows individuals to maintain coverage as their circumstances change. This annual renewal process can also accommodate adjustments to premiums or benefits based on the insured's health or claims history.