What you need to know about the different health insurance types.
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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 |
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