There are many types of health insurance plans — and each is designed to fit different needs. Some types of health insurance include:
-Affordable Care Act (ACA) plans — which can also be called Marketplace, Exchange plans or Obamacare
Plans that provide limited coverage for a limited period of time
For example, dental or vision plans, which may cover expenses not covered by a medical plan.
Health coverage isn’t one-size-fits-all. Whether you’re looking for a long-term plan through the Affordable Care Act (ACA) or a short-term option to bridge a gap in coverage, we’re here to help you understand what works best for your needs.
ACA (Affordable Care Act) plans are individual health insurance policies available through the Health Insurance Marketplace. These plans often qualify for federal or state subsidies, helping reduce monthly premiums.
-Don’t have coverage through your employer
-Need year-round coverage for yourself or your family
-Want comprehensive benefits, including essential health services
-Qualify for premium tax credits based on income
Short-term health insurance offers temporary coverage when you’re in between plans. It’s designed to help you stay protected during gaps—like after graduation, between jobs, or while waiting for Medicare or ACA coverage to begin.
Missed the ACA Open Enrollment and don’t qualify for a Special Enrollment Period
-Are waiting for other coverage to begin
-Recently turned 26 and lost coverage under a parent’s plan
-Are between jobs or early retiring
Are under 65 and in generally good health
Note: Short-term plans do not cover preexisting conditions and require medical screening to apply.
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