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

 

 

 

ARK INSURANCE