Health Insurance: ACA, Short-Term, Medicare Supplement
Whether you're between jobs, self-employed, or aging into Medicare, we connect you with licensed health agents.
Updated May 21, 2026 · Methodology
| Plan type | Avg monthly (single) | Avg monthly (family) | Best for |
|---|---|---|---|
| ACA Silver (subsidized) | $98 | $310 | Most individual / family shoppers |
| ACA Silver (no subsidy) | $472 | $1,420 | Above-subsidy income |
| ACA Bronze (HDHP) | $382 | $1,148 | Healthy shoppers with HSA strategy |
| Short-term medical | $148 | $420 | Gap coverage (under 12 months) |
| Medicare Supplement (Plan G) | $148 | — | Age 65+ Original Medicare |
| Medicare Advantage | $0–$80 | — | Age 65+ network-tolerant |
- Plan typeACA Silver (subsidized)Avg monthly (single)$98Avg monthly (family)$310Best forMost individual / family shoppers
- Plan typeACA Silver (no subsidy)Avg monthly (single)$472Avg monthly (family)$1,420Best forAbove-subsidy income
- Plan typeACA Bronze (HDHP)Avg monthly (single)$382Avg monthly (family)$1,148Best forHealthy shoppers with HSA strategy
- Plan typeShort-term medicalAvg monthly (single)$148Avg monthly (family)$420Best forGap coverage (under 12 months)
- Plan typeMedicare Supplement (Plan G)Avg monthly (single)$148Avg monthly (family)—Best forAge 65+ Original Medicare
- Plan typeMedicare AdvantageAvg monthly (single)$0–$80Avg monthly (family)—Best forAge 65+ network-tolerant
Plan types most shoppers consider
ACA Marketplace (individual / family)
Default option for most without employer coverage. Premium tax credits based on household income; subsidies substantial for many shoppers.
Short-term medical
Bridge coverage between jobs or until ACA open enrollment. Lower premium but less comprehensive — pre-existing conditions may be excluded.
Medicare Supplement (Medigap)
For age-65+ on Original Medicare, fills cost-sharing gaps (deductibles, coinsurance). Plan G and Plan N most popular in 2026.
Medicare Advantage
Alternative to Original Medicare + Medigap, bundled with prescription and often vision/dental. Network-based; lower premium, higher out-of-pocket maximums.
- ACA Open Enrollment: November 1 – January 15. Outside that, you need a qualifying life event.
- About 80%+ of ACA Marketplace shoppers qualify for premium tax credits.
- Short-term medical isn't ACA-compliant — pre-existing conditions can be excluded.
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ACA vs. short-term medical
- ACA: covers pre-existing conditions, includes preventive care, no annual/lifetime maxes.
- ACA: subsidies for most income brackets.
- Short-term: cheaper premium when you don't qualify for subsidies.
- Short-term: bind same-day for genuine gap coverage.
- ACA: only enroll during Open Enrollment or after qualifying life event.
- ACA: above-subsidy income = expensive without help.
- Short-term: excludes pre-existing conditions.
- Short-term: annual + lifetime maxes; can leave you exposed.
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Frequently asked questions
When can I enroll in an ACA plan?
Is short-term insurance a good idea?
What's the difference between Medigap and Medicare Advantage?
How do I get my ACA subsidy?
Methodology
Premium ranges sourced from CMS publicly filed Marketplace rate data and major Medigap carrier rate tables. Subsidy calculations follow current Affordable Care Act premium tax credit formulas.
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Advertiser Disclosure
Insurances Quote is an independent insurance marketplace. We are paid by carriers when shoppers switch to a policy we’ve helped match — never by the shopper. We don’t resell your lead data to third-party buyers, and the carrier rankings on this page reflect our composite quality score (35% claims, 30% price, 20% service, 15% digital tools), not paid placement.