This is not a government website. Coverage Cove is not affiliated with or endorsed by the federal Health Insurance Marketplace, HealthCare.gov, the Centers for Medicare & Medicaid Services (CMS), or any state insurance exchange. For official Marketplace information, visit HealthCare.gov or call 1-800-318-2596.
Understanding Your Health Coverage Options
Learn how ACA marketplace plans, short-term coverage, and supplemental options work. Plans are offered through licensed insurance agents.
What's Covered
Everything you need to know about health insurance coverage options.
ACA Marketplace Plans
Bronze, Silver, Gold, and Platinum tiers. ACA plans are guaranteed-issue and cannot decline coverage or charge more based on pre-existing conditions.
Short-Term Health Insurance
Temporary coverage for gaps between jobs or life transitions. Not ACA-qualifying coverage and may exclude pre-existing conditions; availability and terms vary by state.
Dental & Vision
Supplemental plans that may cover dental exams, cleanings, eye exams, glasses, and contacts. Coverage and carrier availability vary.
HSA-Compatible Plans
High-deductible plans that pair with Health Savings Accounts for tax-advantaged medical savings.
Family Plans
Cover your household under one plan. Under current ACA rules, dependents may remain on a parent's plan until age 26.
Premium Tax Credits
ACA marketplace plans include premium tax credits for eligible households. Actual eligibility and credit amount depend on income, household size, and state — a licensed agent can review your situation.
Health Insurance FAQ
Keep Learning
Coverage Cove is an independent educational resource. When you have questions about a specific policy, a licensed insurance agent is the right person to talk to.
Short-term health insurance: Short-term health insurance (STM) is not ACA-qualifying coverage, does not satisfy minimum essential coverage requirements, and may exclude pre-existing conditions. Short-term plans are prohibited or heavily restricted in some states, including California, New York, New Jersey, Massachusetts, Connecticut, and Illinois. Plans are offered through licensed insurance agents.