and family health insurance
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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.
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?
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?
Who qualifies for short-term health insurance?
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.
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.
Our support continues even after you sign up. Talk to our licensed insurance agents to understand your plan benefits, premiums, and more.