Short Term Medical Insurance | How It Compares to ACA

The differences between ACA plans and Short Term plans

Don’t feel bad, this stuff can definitely get confusing. The most important thing to realize is that ACA plans and Short Term plans aren’t the same. A lot of people think Short Term offers all of the benefits of ACA, but at a lower price. Unfortunately, that’s not the case. That said, for the right situation, Short Term insurance plans can definitely provide the fast, flexible and temporary health insurance coverage you might need.

Essential Health Benefits ACA Plans Short Term Plans

Doctor visits for illness and injury and other outpatient care (ambulatory services) Yes Yes. Subject to your deductible or a copay depending on your plan.

Emergency Services Yes Yes

Hospitalization Yes Yes

Maternity and newborn care Yes Pregnancy generally not covered, except for complications. Newborn care limited.

Mental health and substance use disorder services Yes No coverage or limited coverage, depending on your plan.

Prescription drug coverage Yes No coverage or limited coverage, depending on your plan.

Rehabilitative and habilitative services and devices (relearning to walk after a stroke and improving ability to speak without an impediment) Yes Limited. Check your plan

Laboratory tests and services Yes Yes

Preventive and wellness care Yes No coverage or limited coverage, depending on your plan.

Pediatric services (including both oral care and vision care) Yes No, unless mandated at the state level.