California's state-based health exchange since 2013
Get a QuoteShort-term health plans can seem like an affordable option, but they come with significant limitations. This guide explains the differences and helps you make an informed choice.
| Feature | Short-Term | Covered California |
|---|---|---|
| Coverage Duration | Up to 364 days (varies) | Full year |
| Pre-existing Conditions | Can be excluded | Must be covered |
| Prescription Drugs | Often not covered | Always covered |
| Mental Health | Often not covered | Always covered |
| Maternity | Usually not covered | Always covered |
| Preventive Care | May not be free | Free (no cost-sharing) |
| Premium Subsidies | Not available | Available |
| Out-of-Pocket Limits | May be very high or none | $9,200 max (individual) |
| California Penalty | Doesn't satisfy mandate | Satisfies mandate |
If you choose short-term coverage, you'll pay the penalty PLUS your premiums, which often eliminates any cost savings.
Pre-existing conditions can be excluded. Even conditions you didn't know about may not be covered.
Without out-of-pocket maximums, you could owe unlimited amounts for a serious illness.
Many short-term plans don't cover prescriptions at all, leaving you to pay full price.
Plans can cancel your coverage retroactively if they discover undisclosed health issues.
If you need coverage outside Open Enrollment, consider these options first:
Our agents can help you find qualifying events for Special Enrollment or explore affordable Covered California options.
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