Short Term Health Insurance?? Help!!

My family has been without health insurance since January. My husband lost his job after working for FAANG and after a month, got into a not so great I.T contract that was short term. They didn’t offer health insurance and we believed it’ll be okay since we were confident he will find something. The contract ended after 8 weeks and was unable to find a replacement and hasn’t been able to since. We weren’t expecting such a pitfall for him to find employment like this. We have savings and really need health insurance, particularly for our daughter.

Our issues are that: we’re outside the open enrollment period, outside the special enrollment period, and don’t qualify for any sort of Medicaid or social programs due to having enough savings. We just want to have health insurance to tie us over until hopefully my husband finds something but I have a feeling that could be acouple more months.

I ran into Short Term Health insurance plans, particularly through USAA and UnitedHealthcare. Are these viable options to help deal with the cost of illness or injury?

Some info on the plan I’m looking at:
Plan name: Golden Rule Insurance Company
Short Term Medical Copay
Monthly cost: $384.36/mo
Per person deductible 5,000
coinsurance: 80/20
out of pocket maximum: 5000
doctor office visit: You pay $50 copay – no deductible
Number of visits based on duration purchased: 1-3 months = 1 office copay, 4-6 months = 2 office copays, 7-9 months = 3 office copays, 10+ months = 4 copays Subsequent visits are subject to deductible and coinsurance. These office visit copays are for injury and illness and cannot be used for preventive services, other than those required due to state mandates

ER: You pay 20% after plan deductible (If not admitted, you pay additional $500 deductible)
Coverage Period Maximum Benefit: $2 million per person, per term
Outpatient Prescription Drugs: Tier 1 you pay: $25 copay – no deductible
Tiers 2-4 you pay 20% after deductible