Short-Term Health Insurance Plan Comparison

Based on your preferences: 6 months coverage, Good health status, prioritizing Low cost and Emergency coverage

Comprehensive Plan Comparison

Features	Plan A: Basic Shield	Plan B: Essential Care	Plan C: Premium Plus
Monthly Cost	$89/month	$145/month	$220/month
Deductible	$5,000	$2,500	$1,000
Out-of-Pocket Max	$15,000	$10,000	$6,500
Hospital Coverage	✓ Covered	✓ Covered	✓ Covered
Emergency Care	✓ Covered	✓ Covered	✓ Covered
Prescription Drugs	✗ Not Covered	Limited	✓ Covered
Specialist Visits	✗ Not Covered	✓ Covered	✓ Covered
Preventive Care	✗ Not Covered	✗ Not Covered	✓ Covered

Recommended Plan: Plan A - Basic Shield

Why this plan fits you: Given your priority for low cost and emergency coverage, Plan A offers the most affordable monthly premium at $89 while still providing essential hospital and emergency care coverage.

Cost-Benefit Analysis:

• 6-month total cost: $534 (most affordable option)
• Emergency protection: Full coverage after $5,000 deductible
• Savings vs Plan B: $336 over 6 months
• Best for: Healthy individuals needing catastrophic coverage

Important limitation: This plan does not cover prescription drugs or specialist visits. Consider Plan B if you anticipate needing these services.

Important Considerations for Short-Term Plans

Coverage Gaps

• Pre-existing conditions not covered
• Mental health services limited
• Maternity care excluded
• Substance abuse treatment not covered

Renewal Options

• Maximum 364 days total coverage
• May renew once with medical underwriting
• Rates may increase upon renewal
• No guarantee of renewal approval

Best For

• Healthy individuals in transition
• Gap coverage between jobs
• Recent graduates aging off parent plans
• Temporary protection needs

Alternatives to Consider

• ACA Marketplace plans (special enrollment)
• COBRA continuation coverage
• Healthcare sharing ministries
• Medicaid (if income qualified)

Short-Term Health Plan Comparison Tool