Short-Term Medical vs ACA 2027 Calculator

Compare short-term medical (STM) vs ACA marketplace 2027 — STM cheaper but limited (3-12 months, excludes pre-existing). ACA comprehensive + subsidized.

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Short-Term Medical (STM)

Bridge coverage. Limited duration (4 months federal default, 3-12 in some states). Lower premiums. Excludes pre-existing. Caps benefits ($1-2M lifetime).

ACA Marketplace

Comprehensive Essential Health Benefits. Subsidies based on income. Cannot deny for pre-existing. Open enrollment only OR Special Enrollment trigger.

STM Gaps

Mental health, maternity, prescription drugs often excluded or capped. Pre-existing conditions excluded — verified via medical underwriting.

Best STM Use Cases

Between jobs (under 6 months). College graduate not yet on employer plan. Voluntary early retirement bridging Medicare gap.

Source: healthcare.gov ACA vs STM, cms.gov short-term insurance rules. Last updated: May 2026.