When it can help
It can keep you from going without coverage for a while.
- Between one job and the next
- While you wait for other coverage
- When the Marketplace is not an option
Short-term coverage, between one plan and the next
SimpleCare Insurance explains short-term health plans, which can help while you are between jobs or between coverage. First we check whether you qualify for a Marketplace plan, which covers more and may come with help on the premium.
- Between jobs or coverage
- Marketplace checked first
- English or Spanish
Before you choose short-term
A short-term plan is not Marketplace (ACA) coverage. It does not qualify for the premium tax credit and may exclude pre-existing conditions.
For now we help with short-term plans in Florida only.
See Marketplace health insurance firstWhat to check first
These plans cover less than a Marketplace plan. We go through it with you.
- Pre-existing conditions
- Which services it covers
- Network doctors and hospitals
Questions
What we are asked most about short-term plans.
Is a short-term plan the same as a Marketplace plan?
No. A short-term plan is not Marketplace (ACA) coverage, does not qualify for the premium tax credit and may exclude pre-existing conditions. That is why we first check with you whether you qualify for a Marketplace plan, which covers the essential health benefits.
Who might a short-term plan make sense for?
Someone who needs coverage for a while, for example between jobs, and does not qualify for a Marketplace plan. Before you decide, we explain what the plan covers, what it leaves out and what it costs, in English or Spanish.
Talk to an agent about short-term coverage
We explain what it covers and what it does not, and whether a Marketplace plan fits you better.
Our team answers, in English or Spanish.