Short-term health insurance vs. ACA plans
- Short-term plans are temporary and often cost less.
- They are not comprehensive and can exclude pre-existing conditions.
- ACA plans cover essential health benefits and pre-existing conditions.
Short-term health plans and ACA plans can look similar on a quote, but they work very differently. Here is how they compare.
ACA (individual and family) plans
- Cover essential health benefits, including preventive care, prescriptions, maternity and mental health care
- Cannot deny you or charge more because of pre-existing conditions
- Have an annual out-of-pocket maximum
- May qualify for income-based savings
Short-term plans
- Designed to fill temporary gaps in coverage
- Often have lower monthly premiums
- Can be applied for any time of year, and coverage can start quickly
- Are not required to cover all essential health benefits and may exclude pre-existing conditions
- Have length limits set by federal and state rules
When short-term might fit
Short-term coverage can make sense for a healthy person between jobs, waiting for employer coverage to start, or who missed Open Enrollment without a qualifying event. If you have ongoing health needs, an ACA plan usually offers stronger protection.
Read the details
Before buying any plan, review the brochure for exclusions, limits and waiting periods. An agent can show both types side by side.
See your Arizona options
Answer a few quick questions. A licensed agent will walk you through plans that fit.
This article is general information, not legal, tax or medical advice. Plan availability, benefits, eligibility and prices vary by location and situation. A licensed agent can review your specific options.