FAQ

Coverage Type

Temporary coverage.

Long-term, minimum essential coverage that include the ACA’s 10 essential health benefits.

Coverage Length

For policies purchased before September 1, 2024, 30- to 364-day initial terms, with additional re-application for up to 36 months in total (duration limits vary by state). For policies purchased on or after September 1, 2024, ≤3 month initial terms, up to 4 month total duration.

Consecutive 12-month coverage with guaranteed renewability each calendar year, barring special case scenarios. New premiums apply year to year.

Pre-Existing Conditions

Even if approved for a short term medical plan, preexisting conditions are not covered.

Covered by law. ACA plans are guarantee issue, meaning you cannot be turned down for coverage and your preexisting conditions will be covered.

Preventive Care Benefits

Not typically covered with minimal exceptions.

Covered by law. Preventive care is one of the required 10 essential health benefits in all ACA health plans.

Enrollment Period

Year-round enrollment. Plans can start as early as next day if medical underwriting is accepted on application.

Limited to Annual Open Enrollment Period (or during a Special Enrollment Period with a qualifying life event).

Subsidies Available

No

Yes, if enrolled on the Health Insurance Marketplace or state-specific ACA exchange.

Guaranteed Issue

No

Yes