Short-Term vs ACA Health Insurance in Florida
Which Coverage Is Right for You?
This guide compares short-term health insurance and ACA plans, including coverage, costs, and eligibility
| Feature | Short-Term | ACA Plans |
|---|---|---|
| Pre-existing conditions | Not Covered | Covered |
| Maternity | Not Covered | Covered |
| Preventive care | Limited | Covered |
| Mental health | Limited | Covered |
| Prescription drugs | Not Covered | Covered |
| Duration | 30–364 days | Full-year renewable |
Prescription Drug Coverage
Short-term plans do not include true prescription coverage. ACA plans include comprehensive prescription benefits.
Bottom Line
Short-term = temporary, lower cost. ACA = comprehensive, long-term protection