Health insurance isn't one-size-fits-all. Depending on your income, health status, and timeline, one of these three paths is right for you.
01. ACA Marketplace
"Obamacare"
Best for those who qualify for subsidies or have pre-existing conditions.
- Pros: Full coverage, no medical underwriting.
- Cons: Narrow networks (HMOs), limited enrollment window.
Status: Closed (Needs QLE)
02. Short-Term Medical
"Gap Coverage"
Best for healthy individuals who missed the deadline and need immediate protection.
- Pros: Starts tomorrow, lower premiums, PPO options.
- Cons: No coverage for pre-existing conditions.
Status: Open Year-Round
03. Private PPO
"Off-Exchange"
Best for high-income earners or self-employed who want nationwide access.
- Pros: Nationwide PPO networks (UHC, Aetna), no referrals.
- Cons: Medically underwritten (Must be healthy).
Status: Open Year-Round
Not sure which path to take?
A licensed agent can look up your doctors and run the prices for all three options in about 5 minutes.
Speak to a Licensed Agent