Purpose: Provides temporary health coverage for individuals between long-term plans or during life transitions.
Coverage Duration: Typically lasts 1 to 12 months, depending on your state’s rules (can sometimes be renewed).
Fast Approval: Many plans can begin coverage as soon as the next day after applying.
Lower Monthly Premiums: Usually costs less than ACA-compliant plans but with more limited coverage.
Flexibility: Ideal for gaps in coverage due to job changes, waiting for employer benefits, or outside ACA enrollment periods.
Limited Benefits: Often excludes preventive care, maternity, mental health, and prescription drug coverage unless specifically included.
Pre-Existing Conditions: Usually not covered; applicants may need to answer health questions during enrollment.
Provider Choice: Many plans allow you to visit any doctor or hospital, but costs are lower with in-network providers.
Not ACA-Compliant: Does not meet Affordable Care Act requirements for essential health benefits.
Good for Healthy Individuals: Best suited for people who are generally healthy and want affordable coverage for unexpected medical needs.