Health Insurance Plans

There are many types of health insurance plans — and each is designed to fit different needs. Some types of health insurance include:

Government plans

Affordable Care Act (ACA) plans which can also be called Marketplace, Exchange plans or Obamacare

Short term plans

Plans that provide limited coverage for a limited period of time

Supplemental plans

For example, dental or vision plans, which may cover expenses not covered by a medical plan.

Find the Right Health Insurance for You

Health coverage isn’t one-size-fits-all. Whether you’re looking for a long-term plan through the Affordable Care Act (ACA) or a short-term option to bridge a gap in coverage, we’re here to help you understand what works best for your needs.

What Is ACA Health Insurance?

ACA (Affordable Care Act) plans are individual health insurance policies available through the Health Insurance Marketplace. These plans often qualify for federal or state subsidies, helping reduce monthly premiums.

ACA plans may be right for you if you:

Don’t have coverage through your employer
Need year-round coverage for yourself or your family
Want comprehensive benefits, including essential health services
Qualify for premium tax credits based on income

Short-Term Health Insurance

Short-term health insurance offers temporary coverage when you’re in between plans. It’s designed to help you stay protected during gaps—like after graduation, between jobs, or while waiting for Medicare or ACA coverage to begin.

A short-term plan may be a good fit if you:

- Missed the ACA Open Enrollment and don’t qualify for a Special Enrollment Period
- Are waiting for other coverage to begin
- Recently turned 26 and lost coverage under a parent’s plan
- Are between jobs or early retiring
- Are under 65 and in generally good health

Note: Short-term plans do not cover preexisting conditions and require medical screening to apply.