No, short term health insurance is not the same thing as Obamacare/ACA. STM plans do not qualify as minimum essential coverage under the ACA. Short term health insurance plans are not required to provide any of the ACA’s 10 essential health benefits, are not guaranteed issue (meaning, your application can be rejected because of pre-existing conditions) are not subject to other provisions mandated under the ACA, and may include a pre-existing condition exclusion provision.
No, short term health insurance is not the same thing as Obamacare/ACA. STM plans do not qualify as minimum essential coverage under the ACA. Short term health insurance plans are not required to provide any of the ACA’s 10 essential health benefits, are not guaranteed issue (meaning, your application can be rejected because of pre-existing conditions) are not subject to other provisions mandated under the ACA, and may include a pre-existing condition exclusion provision.
