Non-ACA Options
How Much Do Non-ACA Health Insurance Alternatives Cost?
Short-term medical starts at $75/month, health shares at $100/month, and hospital/surgical plans at $50/month. But these plans exclude pre-existing conditions and don't qualify for subsidies. Here's the full pricing breakdown.
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These are NOT ACA marketplace plans.
Non-ACA alternatives don't qualify for subsidies, may exclude pre-existing conditions, and have different coverage rules. If you qualify for ACA subsidies (income up to ~$62,000 single / ~$127,000 family), marketplace plans may actually cost less.
Looking for ACA marketplace pricing? View our ACA Price Guide →
How Much Does Short-Term Medical Insurance Cost?
Temporary coverage for 30 days to 12 months. According to KFF, approximately 3 million Americans use short-term plans. Premiums are based on age, deductible, and health status (medical underwriting).
| Age | High Deductible ($5K, $10K) | Mid Deductible ($2.5K, $5K) | Low Deductible ($1K, $2.5K) |
|---|---|---|---|
| 18 to 29 | $75 to $150/mo | $100 to $200/mo | $150 to $275/mo |
| 30 to 39 | $100 to $200/mo | $150 to $300/mo | $200 to $400/mo |
| 40 to 49 | $150 to $300/mo | $225 to $425/mo | $300 to $550/mo |
| 50 to 59 | $250 to $450/mo | $350 to $600/mo | $475 to $800/mo |
| 60 to 64 | $375 to $625/mo | $500 to $850/mo | $650 to $1,100/mo |
How Much Does Tri-Term Medical Insurance Cost?
Longer-duration plans (up to 36 months) with renewable terms. More comprehensive than basic short-term but still not ACA-compliant. Individual pricing shown.
| Age | High Deductible ($5K, $10K) | Mid Deductible ($2.5K, $5K) | Low Deductible ($1K, $2.5K) |
|---|---|---|---|
| 18 to 29 | $125 to $225/mo | $175 to $325/mo | $225 to $425/mo |
| 30 to 39 | $175 to $325/mo | $250 to $450/mo | $325 to $575/mo |
| 40 to 49 | $250 to $450/mo | $350 to $600/mo | $475 to $800/mo |
| 50 to 59 | $375 to $650/mo | $500 to $850/mo | $650 to $1,100/mo |
| 60 to 64 | $525 to $900/mo | $700 to $1,175/mo | $900 to $1,500/mo |
How Much Do Health Share Plans Cost?
Faith-based or community-based cost-sharing programs. Over 1.5 million Americans participate (AHSMA). Monthly "shares" vary by household size and Initial Unshareable Amount (IUA, similar to a deductible).
| Household | High IUA ($5K+) | Mid IUA ($2.5K, $5K) | Low IUA ($1K, $2.5K) |
|---|---|---|---|
| Single | $100 to $250/mo | $150 to $350/mo | $200 to $450/mo |
| Couple | $225 to $400/mo | $300 to $550/mo | $400 to $700/mo |
| Family | $300 to $550/mo | $400 to $750/mo | $500 to $950/mo |
How Much Do Hospital & Surgical Plans Cost?
Fixed-benefit plans paying set amounts for hospital stays and surgeries. Average hospital stay costs $13,262 (HCUP/AHRQ). These plans cover a portion of that cost.
| Age | Basic ($500 to $1K/day) | Enhanced ($1K, $2K/day) |
|---|---|---|
| 18 to 29 | $50 to $100/mo | $75 to $150/mo |
| 30 to 39 | $65 to $130/mo | $100 to $200/mo |
| 40 to 49 | $85 to $175/mo | $125 to $250/mo |
| 50 to 59 | $110 to $225/mo | $175 to $350/mo |
| 60 to 64 | $150 to $300/mo | $225 to $450/mo |
How Do These Non-ACA Plans Compare?
Short-Term Medical
Strengths
Lowest cost ($75 to $300/mo), fast approval
Limitations
Limited to 12 months, excludes pre-existing
Best For
Between jobs, missed enrollment
Tri-Term Medical
Strengths
Longer coverage (up to 36 months)
Limitations
Still excludes pre-existing conditions
Best For
Self-employed, early retirees
Health Share Plans
Strengths
Community-based, no network restrictions
Limitations
Not insurance, no guaranteed coverage
Best For
Healthy families, faith-based communities
Hospital & Surgical
Strengths
Very affordable ($50 to $300/mo)
Limitations
Only covers hospital/surgery events
Best For
Supplementing HDHP, budget-conscious
Frequently Asked Questions About Non-ACA Health Coverage
Not Sure Which Option Fits Your Situation?
Every situation is different. Let me walk you through the options and find the right fit for your budget and health needs - for free.