Short-term medical plans cover gaps - between jobs, post-graduation, awaiting Medicare. They're cheaper than ACA plans because they aren't ACA-compliant: pre-existing conditions can be excluded and coverage limits are common.
What it costs
Your premium depends on your age, your health, your ZIP code and which carriers are available where you live. We will not guess at it. Call (714) 922-0043 and we will run real numbers for your situation, at no cost.
How STM plans work
- 01
Buy coverage for 1-12 months at a time.
- 02
No subsidies available.
- 03
Pre-existing conditions may be excluded.
- 04
Daily / lifetime maximums apply.
Pros
- • Significantly cheaper than ACA plans
- • Quick to start (often same day)
Cons
- • Not ACA-compliant
- • Pre-existing conditions often excluded
- • Coverage limits
Best for
- Healthy people in true coverage gaps
- Between-job bridges
Compare other plan structures
- HMO PlansLowest cost, network-only care, referrals for specialists.
- PPO PlansMaximum flexibility - in-network preferred, out-of-network allowed.
- EPO PlansPPO flexibility for in-network care - no out-of-network coverage.
- Catastrophic PlansLow premium, high deductible - protects against worst-case medical events.