When the Marketplace isn't the right fit.
If Marketplace (ACA) plans feel out of reach — especially if you don't qualify for a subsidy — a short-term medical plan can be a lower-cost way to stay covered. It's also there for life's in-between moments: between jobs, waiting on a new plan to start, or just needing something temporary. In the right situation it can save you real money, and we'll help you weigh it honestly.
We can help with:
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Lowering your premium when a Marketplace plan is too expensive
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Coverage when you don't qualify for a subsidy
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Coverage between jobs or during a waiting period
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Bridging gaps before a new plan starts
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Early retirees not yet Medicare-eligible
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Understanding what short-term plans do — and don't — cover
Honest about the limits. Short-term medical isn't the same as a full ACA plan, and we'll always tell you straight whether it's the right fit or just a stopgap.