There are several middle-class families that will look to temporary insurance as premium relief from expensive plans offered on the Exchange. Temporary insurance not only has a limited policy life, but it also has a limited claim payout-period, regardless of when treatment started. There have been many circumstances where the coverage stopped paying out as soon as the policy lapsed (typically 1-2 year policies), creating a huge out-of-pocket expense for the family. Furthermore, each year the premium will take on a substantial increase, assuming the family is re-activating the same type of policy. There are customized alternatives that will protect families for the long term at the same premium, if not less.