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Which kind of health insurance should I get?

For individuals and families, there are 3 types of health insurance. Find the right type for you below, or explore health insurance plans by state to find coverage options in your area. As always, our licensed agents are here to help you find the right health insurance plan to suit your individual needs.

Affordable Care Act Plans

You may know Affordable Care Act (ACA) plans as major medical, comprehensive coverage, or even “Obamacare,” but whatever you call them, these plans meet all the requirements of the ACA and are typically the most comprehensive on the market. If you have a chronic illness or face a medical emergency, these plans can help prevent staggering expenses.

ACA plans provide benefits for a broad range of health care services, both inpatient and outpatient, and can save you money on routine doctor visits, prescription drugs, preventative care, hospital stays, and more. These plans are available to almost everyone, and you can’t be denied based on preexisting conditions.

 Short-Term Plans

If you can't afford an Affordable Care Act (ACA) plan or have missed the cutoff to apply, you may want to consider a short-term plan. Compared to ACA plans, short-term health insurance typically provides much less coverage and does not help you avoid any state tax penalties. But short-term plans do accept applications year-round, and they can help offset costs if you have a medical emergency unrelated to a preexisting condition.

Short-term plans do not meet the requirements of the ACA and may not cover all — or any — of your medical needs, so you’ll want to read the plan details carefully before applying. Also worth noting that purchasing short-term health insurance may make you ineligible for other health insurance including ACA plans and COBRA.

Short-Term Health Insurance

Keep yourself safe with temporary health coverage.

Find short-term health insurance plans for up to 60% less.

Frequently asked questions

How much does short-term health insurance cost?


Short-term health insurance plans are typically much more affordable than major medical plans. Short-term plans are available for as little as $55 per month,* compared to at least $225 per month for major medical coverage*. * This is the based on average pricing for plans from eHealth, but actual prices available depend on zip code, age, gender, and other factors. Get a personalized quote to see what may be available for you.




Is short-term health insurance worth it?


Short-term health insurance can be a good option for individuals who are healthy and do not generally require health services or have regular prescription needs. Short-term health insurance is often worth it for those who want a health plan in case of emergency or need immediate coverage.




What does short-term health insurance cover?


Short-term health insurance coverage will vary based on the plan you choose. Most short-term plans will cover emergency hospital visits, certain prescription medications, and some doctors appointments not related to pre-existing conditions. Most temporary health insurance plans do not cover treatment for pre-existing conditions, maternity care, and mental health, among other items. Short-term plans do not guarantee the essential health benefits and protections in Affordable Care Act plans. Short-term plans may also have waiting periods, during which the plan will not cover certain conditions at the beginning of the plan. If you end one term on a short-term plan, and then begin another short-term plan, you may lose coverage for certain conditions that become pre-existing conditions and may have to restart any deductible or waiting period period requirement in your plan. In some cases, you cannot extend your short-term coverage or buy another short-term plan when your short-term coverage ends. Short-term plans also generallyhave an overall maximum amount they will pay out in coverage. Be sure to read the details of your plan carefully to understand the limitations of your coverage. The above summary is only general guidance, so you must review your plan's official documentation to see your plan's coverage, limitations, and restrictions.




Who qualifies for short-term health insurance?


To qualify for short-term health insurance, you will likely have to fill out a health questionnaire and you may need to disclose any pre-existing conditions, which can disqualify you from obtaining coverage with a temporary health insurance plan. You may also be disqualified by some insurance companies if you: are pregnant are currently insured under another policy are a man who weighs more than 300 pounds or a woman who weighs more than 250 pounds have been diagnosed with, or treated for, HIV or AIDS qualify for Medicaid aren't a U.S citizen Please note this is not an inclusive list of all reasons you may be disqualified for a short-term plan. Plan qualifications will vary based on the carrier.





Why use Alliance?

All plans in one place

Whether you need health insurance for yourself, your business, or your family, eHealth has a wide range of options. Let our experts help you find the health insurance you need.

 

Benefit comparisons

See unbiased comparisons of plan costs and benefits across all major carriers. Get a quote & find the most affordable plan that's right for you.

 

Lifetime support

Our support continues even after you sign up. Talk to our licensed insurance agents to understand your plan benefits, premiums, and more.