Short-term health insurance vs. ACA in Florida: the real gaps

Pre-existing conditions, many essential health benefits, and sometimes maternity, mental health, or prescription depth. Medical underwriting can decline you. ACA guaranteed-issue in open or special enrollment cannot do that the same way.

A documented few weeks between employer plans, if you understand the exclusions and you cannot enroll in COBRA or a marketplace SEP. Not “I’m healthy so I will save money all year.”

Networks on short-term cards can be narrow or indemnity with balance billing. A Baptist or Jackson stay is the wrong time to meet usual-and-customary math.

Dates of current coverage, dates of the new job or event, doctors, prescriptions. Start a health quote. An advisor will say ACA, COBRA, or — rarely — short-term, with the holes named.