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Health insurance plans

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HEALTH INSURANCE PLAN

¿Whats the difference between short term plans and ACA plans?

If you’re considering a short term plan or an ACA plan, here’s a quick overview of how these two types of plans work.

Short term health insurance plans

ACA Marketplace plans

Plan basics

Short term plans can help you get the benefits you need in times where you may have a gap in coverage — like when you're in between jobs or waiting for other coverage to start.

ACA plans are sold on the health care Marketplace (also called the Exchange). Depending on your income, you may be eligible for government subsidies to help lower the cost of an ACA plan.

Type and length of coverage

Short term plans offer limited coverage for a limited time.

ACA plans offer comprehensive coverage for a full calendar year as long as you pay your premium.

Consider a short-term plan if you:
Consider an ACA plan if you:

- Missed open enrollment and don't qualify for a Special Enrollment Period (SEP)
-Have a gap until your ACA plan starts
-Want coverage until you join Medicare
-Turned 26 and are coming off a parent's plan
-Are in between jobs or waiting for benefits to start
-Are healthy and under 65

-Can't get health insurance through work
-Need long-term coverage for you and your family
-Want comprehensive benefits
-Qualify for a premium tax credit

Dental insurance

Dental insurance plans offer coverage for basic dental care, like general dental screenings and preventive care or you can choose coverage for major care, such as dental implants.

Vision insurance

Vision insurance plans can help you cover and budget for vision care expenses like routine eye exams, prescription glasses and/or contact lenses.

SUPPLEMENTAL INSURANCE

Hospital and doctor fixed indemnity insurance

Fixed benefit health insurance plans that pay a cash benefit for specific medical services that may not be covered by a traditional health insurance plan.

Critical illness insurance

Insurance plans that offer cash benefits to help cover expenses related to qualifying serious illnesses.

Hospitalization insurance

Plans that help with the costs of hospitalization by paying a fixed cash benefit amount per day for hospital stays.

International travel insurance

Plans that offer travel insurance for medical emergencies or illnesses, lost passports or baggage, travel assistance and more.

Term life insurance

Insurance that helps prepare your family financially by paying a cash benefit in the event of your death.