Is There An Alternative to Obamacare? (2026)

Non-Obamacare Quotes

A short-term plan is a catastrophic plan that is a cheaper alternative to individual health insurance. It's not for everyone, but will protect you from catastrophic medical costs.

Some things to note:

CONS

• These plans do not cover pre-existing conditions (some states offer a guaranteed issue option)
• Do not cover existing medications, and new medications are usually subject to your deductible
• Do not cover preventative care at zero cost (some plans offer a copay benefit)
• Do not count as comprehensive coverage under the ACA (Obamacare) which mandates you mush have a comprehensive plan at least 10 months out of the year in order to avoid a tax penalty. (This penalty was eliminated in most states in 2019) 

PROS

• Do offer protections in the event you incur new, unanticipated medical costs
• Offer comprehensive health coverage at more affordable prices than ACA plans
• Do offer additional add-on accident or critical illness insurance products that will provide payouts that CAN be used towards your premiums or deductibles
• Do offer access to the Aetna Open Access PPO national network: Aetna PPO Provider Finder

Quote A Year Long Short Term Insurance Plan

Allstate and United HealthOne are two of the most popular short-term companies currently offering a year-long plan (up to 36 months in most states). While less-expensive than most individual plans on the market, consumers should also weigh the costs of possibly paying a tax penalty into their decision. 

Use our plan finder to calculate the costs of every individual on or off exchange plan in your area, or if you'd like to check out a comprehensive medical plan:

View Comprehensive Medical Plans Near You

Questions? Schedule an appointment or give us a call at (312) 726-6565 to speak to an agent.