What you need to know about the different health insurance types.
 |
Carrier Direct |
Healthcare.gov |
Catastrophic Plans |
Gap (Short-Term) Plans |
| When can coverage begin? | Usually 45 days | Usually 45 days | Usually 45 days | Usually 2 weeks |
| Will I be subject to a tax penalty? | No | No | Yes | Yes |
| Can I buy it on a state exchange? | No | No | No | Typically No |
| Can I be denied for pre-existing conditions? | No | No | Sometimes | Yes |
| Will it cover ACA mandated benefits? | Yes | Yes | Sometimes | No |
| Can it be purchased with a government subsidy? | No | Yes | No |
No
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