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.
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.
Frequently Asked Questions
Can I have both?
Some people use ACA primary + STM for accident coverage. Complex but possible. Most just pick one.
STM affordable for chronic conditions?
NO. Excludes pre-existing. Treatment denied. ACA only viable choice for chronic conditions.
State bans STM?
Some states (CA, MA, NJ, NY) ban or restrict STM. Check state rules. Federal default 4 months.