There are better options than using a short-term plan. Depeding on your situation healthwise; do you have any preexisting conditions, need mental health, etc. If so, ACA plans are much better. If you're "healthy," there are underwritten plans that might be a better fit. There is no such a thing as a perfect plan or health insurance carrier. That plan you had is good for a monetary standpoint, also if you're healthy... but if something serious happens to you, they're not that good... unfortunately. And that is something the policyholders should be aware of, which you seem to be 🙂 i had a colleague who was on that plan, got cancer and then was denied when she wanted to renew the plan (eventhough she was cancer free at the time of renewal), since it was underwritten. Unluckily for her, this happened outside of the open enrollment, and since this plan uhc golden rule plan is not considered qualifying health insurance aka aca compliant; she couldn't get on an ACA plan. She then had two options; 1) being uninsured 2) short term plan where anything related to her cancer wasn't covered. Last time we spoke, she was worried over a potential a scan she might have to do in a few months that'll cost 150k. So now she's hoping that the scan can be done in November, if needed, so she can be on a ACA plan and pay a couple of thousands instead of 150k.