Short-term medical insurance offers temporary health coverage, typically lasting from a few months up to a year, to bridge gaps between comprehensive plans. While premiums are often lower, these plans are not ACA-compliant; they are not required to cover essential health benefits, frequently exclude pre-existing conditions, and usually impose benefit maximums. They function as a temporary financial safeguard against unforeseen medical emergencies, rather than a substitute for long-term, comprehensive coverage.
If interested, please make an appointment directly with me.
Annual individual and family insurance coverage, most commonly purchased through the Affordable Care Act (ACA) Health Insurance Marketplace during Open Enrollment, provides comprehensive, long-term major medical protection for a full calendar year. These plans are legally required to cover ten essential health benefits, including prescription drugs, hospitalization, and preventive care at no cost, and cannot deny coverage or charge more due to pre-existing conditions. Many individuals and families qualify for federal financial assistance to lower their monthly premium or out-of-pocket costs.
For Annual individual and family coverage, you may either make an appointment with me to help you pick a plan, or you may get a quote directly from the using this button get a quote