Short-Term Health Insurance provides temporary coverage for individuals who need a bridge between health plans. These plans often have lower monthly premiums and can begin quickly, making them a good option during life transitions. Because they are designed for temporary coverage, they generally do not include all of the benefits offered by ACA plans and may not cover pre-existing conditions.

ACA (Marketplace) Health Insurance offers comprehensive coverage that includes essential health benefits such as preventive care, prescription medications, maternity services, and mental health care. These plans cannot deny coverage due to pre-existing conditions, and many individuals and families qualify for financial assistance that can lower their monthly premiums.