ACA Plans:

Community-rated (everyone pays similar premiums regardless of health)

Must cover pre-existing conditions

Cover all "essential health benefits"

$$$ if you don't qualify for subsidies

Short-Term Plans:

Underwritten based on YOUR health

Do NOT cover pre-existing conditions

Cover major medical expenses (hospital, ER, surgery, doctors)

Typically $200-400/month for healthy people (depending on your deductibles, etc)

Think of it this way: ACA makes you "split the check" with everyone. Short-term plans let you pay for your own meal.

No. Short-term medical plans do NOT cover pre-existing conditions (defined as anything you received treatment, medication, or advice for in the 24 months before your coverage starts). This is specifically for healthy people who need affordable catastrophic protection.

If you have ongoing health conditions that require coverage, ACA marketplace plans or employer-sponsored coverage are better options.

Short-term plans typically cover:

✅ Hospital stays (inpatient)

✅ Emergency room visits

✅ Surgery and anesthesia

✅ Doctor office visits

✅ Urgent care

✅ Ambulance services

✅ Diagnostic testing (labs, X-rays, MRI, CT scans)

✅ Physical therapy (limited)

✅ Prescription drugs administered during covered services

Coverage details vary by plan - I'll show you exactly what's covered when we talk.

Short-term plans typically do NOT cover:

❌ Pre-existing conditions

❌ Preventive care/routine checkups (some plans offer limited coverage)

❌ Maternity care

❌ Prescription drugs (retail/outpatient)

❌ Mental health services (most plans)

❌ Substance abuse treatment

I'm very transparent about limitations - you'll know exactly what you're getting before you decide anything.

It depends on:

Your age

Your ZIP code

Your health status

The deductible you choose ($0, $1,000, $2,500, $5,000, or $10,000)

The coverage maximum you select ($250K, $500K, or $1M)

Most healthy individuals pay $200-450/month. That's why I need to talk to you - I'll show you 2-3 options with exact pricing based on YOUR situation.

Absolutely not. I'm Katie, a licensed Florida insurance agent operating my own independent agency (Quote and Go Insurance). When you fill out the form, it comes directly to ME - not a call center, not a lead farm.

I'll call you personally within 24 hours (usually same day). One call. No spam. If we're not a good fit or you decide it's not for you, I'll never bug you again.

Here's exactly what happens:

You fill out the form (takes 60 seconds)

I review your information (same day)

I call you within 24 hours for a quick 10-15 minute conversation

On the call, I'll: Ask a few health questions to make sure you qualify Show you 2-3 plan options with exact pricing Explain what IS and ISN'T covered Answer all your questions

You decide - no pressure, no obligation

If you want to move forward, most applications are approved in 24-48 hours. If not, no worries - at least you'll know your options.

Yes and No. I can email you quotes after you fill out the form so you can get a rough idea. But because these plans are so customizable, it's better if we talk for a couple of minutes so I can figure out your budget, what you want for a deductible, etc. If you want me to email you preliminary quotes, send me an email: [email protected]

It depends on the condition and how it's managed. Some conditions disqualify you from short-term plans, while others might be accepted with limitations.

Common conditions that typically disqualify:

Diabetes

Heart disease

Cancer (current or recent)

Chronic conditions requiring ongoing treatment

Conditions that MIGHT be okay:

Well-controlled high blood pressure (no other complications)

Previous injuries that have fully healed

Conditions that required treatment more than 24 months ago

The only way to know for sure is to apply. I'll be honest with you about your chances before we waste your time.

Term describes the length of time the policy is active before you have to reapply. I have plans available for term lengths of 6 months to 36 months. Once your selected term ends, you must reapply to continue coverage.

If you're approved (and most healthy people are), coverage can start as soon as the next day for accidents/injuries. For illnesses, there's typically a 5-day waiting period.

The application process usually takes 24-48 hours for approval.

Yes. You can cancel anytime. Most plans don't have cancellation fees. If you find a better option (like getting a job with benefits or qualifying for better ACA subsidies), you're not locked in.

Yes! Once you're enrolled, NEW illnesses and injuries that occur during your coverage period ARE covered (subject to your deductible and coinsurance).

What's NOT covered: conditions you had BEFORE you enrolled.

Example: If you enroll healthy, then break your leg 3 months later - covered. If you enroll healthy, then get diagnosed with cancer 6 months later - covered. But if you had diabetes before enrolling - not covered.

I work with multiple A-rated carriers that specialize in short-term medical insurance, including:

Pivot Health / Pan-American Life Insurance Company

National General

SureCare

And others

Here's something important you need to know:

The "big name" insurance companies you see advertising ACA plans - like Cigna, Ambetter, Oscar, Aetna, Blue Cross Blue Shield, United Healthcare - do NOT offer short-term medical plans. They ONLY sell ACA marketplace plans.

Why? Because ACA plans are more profitable for them. They collect high premiums from healthy people who subsidize sick people, and they get government subsidies on top of that.

So if someone tells you they can get you "off-market" or "private" insurance from Cigna, Ambetter, Oscar, or Aetna that's cheaper than Obamacare - they're lying to you.

Those companies don't offer anything "off-market." If it's from one of those carriers, it's either:

An ACA plan (which means same high prices)

A scam

The person has no idea what they're talking about

Both are real insurance. Both are legal. They're just different products from different companies.

I'll show you options from the carriers that make the most sense for your age, location, and needs - and you'll see exactly which company is underwriting your coverage before you decide anything.

Red flag: If someone says "I can get you Blue Cross for $300/month off the marketplace" - run. That's not how it works.

The application is straightforward - it's all health questions, and it usually takes about 10-15 minutes to complete.

Here's what happens:

Step 1: We talk first After you fill out the form on this page, I'll call you to go over your options and make sure short-term coverage makes sense for you. If it does, we move to the application.

Step 2: Health questions The application asks detailed questions about your health history, including:

Current medications

Doctor visits in the last 2-5 years (depending on the carrier)

Any diagnoses, treatments, or ongoing conditions

Height and weight

Tobacco use

Family health history (sometimes)

You do NOT need:

A physical exam

Blood tests

Medical records (usually)

Step 3: Underwriting review The insurance company reviews your application. This usually takes 24-48 hours.

Possible outcomes:

✅ Approved as applied - You're in, coverage starts on your selected date

⚠️ Approved with exclusions - They'll cover you but exclude certain conditions (example: you have well-controlled high blood pressure, they'll cover everything except heart-related issues)

⚠️ Approved with rate increase - They'll cover you but at a higher premium

❌ Declined - If you have significant health issues, they may not offer coverage

Step 4: If approved, you're covered You'll get your policy documents, ID card, and coverage details. Coverage typically starts the day after you're approved (for accidents) or 5 days after (for illnesses).

Yes! Short-term plans can cover:

Just you

You + spouse

You + children

Whole family