Important: please read
Short term medical plans are not ACA-compliant and are not comprehensive health coverage. They may exclude pre-existing conditions, may not cover essential health benefits, and have benefit limits and exclusions. They are not eligible for Marketplace premium tax credits. Rules on plan length, renewal, and availability vary by state, and these plans are not available in every state. Review the plan documents carefully before you buy.
Who it's for
- People with a brief gap between jobs or before other coverage begins
- People who missed Open Enrollment and don't qualify for a Special Enrollment Period
- Healthy individuals who understand the limits and want temporary protection
What it covers
Coverage varies widely by plan. Short term plans often include some combination of:
- Doctor visits and urgent care, often after a deductible
- Emergency room care and hospitalization
- Some surgeries and lab work
- Limits on total benefits paid, per condition or per plan term
Key things to know
Not ACA-compliant
Short term plans are not required to follow ACA rules and do not have to cover all essential health benefits, such as maternity care, prescription drugs, or mental health services.
Pre-existing conditions may be excluded
These plans can ask health questions, decline applicants, and exclude care for conditions you had before the plan started.
Not comprehensive coverage
Benefit limits and exclusions can leave you responsible for large bills. A short term plan is not a substitute for comprehensive health insurance.
No income-based savings
Marketplace premium tax credits can't be used for short term plans.
Rules vary by state
Federal and state rules limit how long these plans can last and whether they can be renewed. Some states restrict or don't allow short term plans at all.
Frequently asked questions
Will a short term plan cover my existing condition?
Often it won't. Many short term plans exclude pre-existing conditions. Read the plan documents carefully, and talk to Hollen about ACA options if you have ongoing health needs.
How long can a short term plan last?
It depends on federal rules and your state's rules, which have changed over time. Hollen can tell you what's currently allowed where you live.
Should I choose short term instead of an ACA plan?
For many people, an ACA plan, possibly with income-based savings, provides much stronger protection. Hollen will compare both honestly so you can decide.
This page is general educational information, not a guarantee of coverage, eligibility, or cost. Benefits, availability, and rules vary by plan, carrier, and state. Contact Hollen for details on specific plans.