Short-term plans are exactly what they sound like — temporary coverage designed to bridge a gap. They can be affordable, but most exclude pre-existing conditions, maternity, and mental health.
ACA marketplace plans, by contrast, cover the ten essential health benefits, cannot deny you for pre-existing conditions, and may qualify for premium subsidies based on household income.
If you’re between jobs for 60 days, a short-term plan may be fine. If you’re self-employed, running a household, or managing an ongoing condition, an ACA plan is almost always the right call.
Our advisors will run both quotes side by side so you can see the real trade-off, not just the sticker price.