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Marketplace (ACA / Obamacare)

Off-Exchange (Non-Marketplace)

Short Term Medical (Bridge Plans, Gap Insurance)

Provides the financial protection you need from unexpected medical bills and other health care expenses, including:

  • Doctor visits and some preventive care

  • Emergency room and ambulance coverage

  • Urgent care benefits

  • Usually does not cover pre-existing conditions.

 

Who should consider Short Term Insurance Plans?

 

  • Rolling off their parent’s insurance

  • In-between jobs

  • Without health insurance, have missed Open Enrollment and do not have a qualifying event for Special Enrollment

  • Waiting for your Affordable Care Act (ACA) coverage to begin

  • A college student or just out of school

  • Waiting for benefits to begin at a new job

  • Waiting for Medicare

  • Needing a temporary alternative to COBRA insurance

  • Losing coverage following a divorce

  • Under 65 and in good health