Did you miss your opportunity with open enrollment? These plans are for healthy individuals/families with Higher Income and who don’t qualify or want to participate in a subsidy. These plans are on a PPO network and don’t require any income reporting like a Marketplace plan. They can be enrolled at any time during the year and can start on any date during the year as well. Short-term insurance offers great catastrophic protection and exceptional value with daily benefits as well. The main difference between these plans vs. traditional health plans is that pre-existing conditions, pregnancy, mental health needs and prescriptions are excluded.