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Actions Short-term and Affordable Care Act Plans The help you need to find the insurance plan you want
Getting affordable short-term health insurance or an ACA plan doesn’t have to be a challenge. Find the plan for you.
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Actions Short-term health insurance. ACA health plans. We’ll find the insurance coverage that fits your needs and budget.
Short-term health insurance. ACA health plans. We’ll find the insurance coverage that fits your needs and budget.
We’re one of America’s leading individual insurance services. And we help over 10,000 people find affordable coverage every month—whether you have a family, work independently, are unemployed or just have a tight budget.
- Look to us to help you find, select and quickly enroll in a short-term or Affordable Care Act health plan
- Let us quickly compare short-term or ACA policies from respected health insurance carriers in your area
- Talk to one of our licensed insurance agents any time—for answers, guidance and advice when you need it
- Keep it simple. You’ll find a user-friendly experience that makes it easy to get coverage—in just a few steps
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Actions What’s the right insurance plan for you? We look at all your options.
What’s the right insurance plan for you? We look at all your options.
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Actions Short-term Health Insurance Plans
Short-term Health Insurance Plans
Like many people today, you may find yourself temporarily uninsured as you change jobs or wait to join a new plan. Or you may feel that basic health coverage is all you need. Short-term insurance is an especially affordable option—and we’ll compare plans to find the right one for you.
ACA Health Insurance Plans
ACA Health Insurance Plans
The Affordable Care Act of 2010 has allowed millions of Americans to get health coverage at lower costs than ever before—especially if COBRA or market-rate policies are too expensive. Consider your income level and where you live (you may qualify for a subsidy) and we’ll match your needs with a plan.
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Actions Finding short-term health coverage is easier than you think
Finding short-term health coverage is easier than you think
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Actions Call or start online
Call or start online
and tell us about your
needs and budget
Find the right plan
Find the right plan
for yourself or
your family
Get covered quickly
Get covered quickly
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speak with our licensed agents
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Actions Short-term and Affordable Care Act FAQs
Short-term and Affordable Care Act FAQs
We have quick answers to some of today’s most common questions.
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Actions Short-term Health Insurance
A short-term health insurance plan provides temporary coverage.
If you’re recently unemployed, between jobs, or just waiting for an ACA or Medicare health plan to begin, short-term health insurance plans can provide temporary coverage for you and your family, either month to month or for up to three years.
Short-term health insurance plans offer basic, affordable medical coverage, usually for 6-12 months.
You can enroll in a short-term insurance plan any time of the year to cover basic medical needs, emergency care, tests and hospitalizations. With lower premiums and often less coverage than traditional plans, short-term health plans can be a good option for people who are unemployed or are waiting for other coverage to begin.
Depending on your state and insurer, you may be able to extend short-term health insurance coverage up to three years.
To continue your short-term health plan, you often need to re-apply at the end of your current term. Depending on the insurer, you may be able to apply for multiple terms (up to 36 months) with a single application.
A short-term plan costs less, covers fewer expenses and you can cancel it at any time.
Short-term insurance plans are intended for temporary coverage, so they don’t have to meet the same comprehensive requirements as ACA (Obamacare) options. That makes them a more affordable option with limited coverage that you can start or stop at any time.
ACA Health Insurance
ACA plans differ, but all guarantee 10 essential benefits.
By law, ACA plans must cover outpatient, emergency services, surgery, maternity and newborn care, mental health, prescriptions drugs, preventative and rehabilitative care, as well as lab services and pediatrics. This kind of coverage comes with higher premiums than short-term plans.
You can start a plan during the annual “Open Enrollment,” or other times in some cases.
The “Open Enrollment” period for 2021 health plans is from November 1, 2020 to December 15, 2020. During this time, you can select and join an ACA plan. You can also enroll any time you have a qualifying life event—for example, if you’ve lost existing health coverage, moved, were married or had a child.
No—In almost all cases, there’s a waiting period before coverage starts.
While you can select a plan any time during Open Enrollment, you won’t start paying premiums until your new coverage begins on January 1. But if you purchase an ACA plan because of a qualifying life event, that coverage won’t begin for at least two weeks.
Premiums vary and subsidies may be available.
If your income is less than 4x the Federal poverty level, subsidies may cover part of your premium and/or out-of-pocket costs. ACA plans can help manage expenses because they provide a cap on what you have to pay. Your maximum out-of-pocket expenses in 2020 is $8,200 for individual plans, and $16,000 for families.
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Actions Need-to-know guides and articles to help you keep informed
Need-to-know guides and articles to help you keep informed
For more information on the health insurance you need, connect to any of these resources to learn more.
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Actions Look to these online resources for more information on related topics
Look to these online resources for more information on related topics
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Assurance IQ, a wholly owned subsidiary of Prudential Financial, Inc., matches buyers with products such as life and health insurance and auto insurance, enabling them to make purchases online or through an agent. Neither Prudential Financial, Inc. nor Assurance IQ offers, underwrites or administers health plans or health insurance policies.
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