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Short-term Insurance Plans

Short-term insurance plans are an alternative option to ACA/Obamacare plans. But, they currently can only be purchased for short periods of time, and typically only cover catastrophic situations. If you have a short-term plan and need medical attention, you will have to pay out of pocket for any circumstances that are not considered catastrophic.

Still, short-term plans can be a good alternative for individuals who just want to be covered in case of emergency for short periods of time, or until they can enroll in an ACA/Obamacare plan.

Short-term insurance may be a good option for you if:

  1. You don’t expect to go to the doctor much, if at all. Since monthly premiums are typically lower with short-term plans than traditional plans, you’ll see bigger savings with this type of plan. But, keep in mind that short-term plans come with a high deductible, so be prepared to pay expensive out-of-pocket costs if you do need medical attention.
  2. It’s outside Open Enrollment and you don’t qualify for Special Enrollment. Short-term insurance can last anywhere from 30 days to one year, and helps bridge the gap between coverage when you can’t enroll in a traditional plan.
  3. You don’t qualify for a government subsidy. Short-term plans don’t meet minimum ACA requirements, so you won’t get any government help paying your plan premiums or out-of-pocket costs. If you’re eligible for government assistance, be sure to calculate that amount into your costs for both types of plans and weigh your options.
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Los Angeles, CA 90017 is an independent marketplace and is not a federal or state Marketplace website. does not provide quotes or sell insurance directly to consumers, is not affiliated with any exchange, and is not a licensed insurance agent or broker. Accordingly, you should not send us (via mail or email) any sensitive information, including personal health information or applications. Any such communications will not be treated as confidential and will be discarded, as, in offering this website, we are required to comply with the standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website or go to the Health Insurance Marketplace website at

Advertised Pricing:

There are several factors that impact your monthly premium; including, but not limited to your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, this result is subject to change.