short-term plan special enrollment period

Coverage Types

How Long Can You Keep a Short-Term Health Plan? 2026 Rules by State

How long you can keep a short-term health plan in 2026 depends on your state, but the federal regulatory baseline that governs most of the country is in transition: the Biden administration’s 4-month cap is technically still on the books, the Trump administration announced in August 2025 that it would not enforce it, and new…

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Health Shares

Short-Term Medical vs. Health Share: Which Fits a Coverage Gap?

For a healthy individual in a defined, temporary coverage gap who doesn’t qualify for an ACA subsidy and has no qualifying life event to trigger a Marketplace Special Enrollment Period, a short-term health plan fits best when the gap is genuinely short (under 60 days) and a health share fits better when the gap is…

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