ACA vs. Short-Term Insurance — What’s the Difference?
Trying to choose between an ACA health plan and short-term insurance?
Here’s the breakdown:
👉 ACA Plans are comprehensive, year-round health insurance options. They cover pre-existing conditions, prescriptions, mental health, and more — and most people qualify for a subsidy to help lower the cost.
👉 Short-Term Plans now have a maximum coverage length of 4 months (starting Sept. 1, 2024). They're cheaper, but offer limited benefits and don’t cover pre-existing conditions.
💡 Best Use: Short-term plans can work if you’re in-between jobs or waiting for other coverage — but they’re not a long-term solution.
Need help figuring out which one is right for you? That’s what I’m here for!
