Compare Common Types of Health Coverage

Health care is a fundamental need. Depending on your budget, eligibility, and timing, different coverage types may fit best. Here’s a clear rundown of common options so you can compare and choose confidently.

Affordable Care Act (ACA) Marketplace Plans

Comprehensive, no medical underwriting, and includes essential health benefits. Income-based savings may lower premiums and out-of-pocket costs. Enroll during Open Enrollment or after a qualifying life event.

COBRA Continuation Coverage

Temporary continuation of your former employer’s plan after job loss or other qualifying events. Same benefits, but you usually pay the full premium plus an administrative fee.

Short-Term Health Insurance

Bridge coverage for gaps. Often lower premiums but limited benefits; can exclude pre-existing conditions and may be medically underwritten. Availability and rules vary by state.

Fixed Indemnity (Limited Benefit) Plans

Pays set dollar amounts per visit or service. Designed as supplemental protection and not a substitute for comprehensive major medical coverage.

Supplemental Coverage (Dental, Vision, Accident, Critical Illness)

Add-on protection for specific needs or events. Complements, but does not replace, major medical coverage.

Guided Support: Share your ZIP code and a few details about your household and budget, and we’ll help you compare options from licensed agents and trusted partners so you can pick the plan that fits your needs.

Availability and eligibility vary by state and carrier. Short-term, fixed indemnity, and health care sharing ministries have important limitations and are not ACA-compliant major medical coverage. This site is privately owned and not affiliated with any government agency.