Short term health insurance vs. major medical plans

by | Mar 8, 2019 | Short Term Health | 0 comments

A short term health insurance plan is very different from an Affordable Care Act (ACA) plan. However, consumers may have difficulty navigating all of the changes that have transpired in the medical insurance industry in the last few years and understanding what coverage is available to them. Under the ACA, short term health insurance is not considered essential coverage, but it can be a good temporary solution for most individuals that find themselves stuck in a coverage gap or unable to afford a major medical policy.

Here’s a comparison overview:

Major Medical Plans (ACA)
Comprehensive coverage
Continued coverage
Everyone accepted
Change/Buy plans during Open Enrollment or with qualifying event
Takes time to be approved
More expensive

Short Term Plans
Limited benefits (no maternity, pediatric, or mental health services)
Time constraints (up tp 364 days, renewable for 36 months)
No pre-existing conditions covered
Apply at any time, cancel at any time
Quick approval
Lower premium

If you want to discuss your options with a licensed insurance agent, Americare Quotes has extensive experience helping consumers find a plan that’s right for their needs! Contact us today and get the peace of mind that comes from knowing you’re covered.


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