Short-Term Health Insurance
Does short-term health insurance cover pre-existing conditions?
Short-term health insurance does not cover pre-existing conditions. Pre-existing conditions are typically excluded from coverage. If you have a pre-existing condition, ACA health insurance is a better option because ACA plans cannot deny coverage or charge more based on health status.
Key Points
- Short-term health insurance: does not cover pre-existing conditions
- Pre-existing conditions: typically excluded from coverage
- ACA health insurance: cannot deny coverage or charge more based on health status
- If you have a pre-existing condition: ACA health insurance is a better option
- An independent agent can help you compare short-term vs. ACA health insurance options