Plan types
Short-term medical
Temporary coverage typically lasting 1-12 months. Cheaper than ACA-compliant plans but does NOT cover pre-existing conditions in most states and is NOT ACA-compliant. Appropriate only as bridge coverage between jobs or during eligibility gaps — never as primary insurance.Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
More in Plan types
HMO (Health Maintenance Organization)
In-network only with PCP referrals. Lowest premiums.
PPO (Preferred Provider Organization)
See any provider, no referrals. Broadest networks.
EPO (Exclusive Provider Organization)
In-network only, but no referrals required.
POS (Point of Service)
Hybrid HMO/PPO. Requires PCP but covers some out-of-network.
HDHP (High-Deductible Health Plan)
Higher deductible, lower premium. Pairs with an HSA.
Catastrophic plan
Low-premium ACA plan for under-30s or hardship-exempt.
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