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ACA health insurance is the federally mandated health insurance law of the land, also known as Obamacare. It governs individual and family plans and requires ten minimum essential benefits. Anyone can apply, and those that are under the 400% poverty line can receive a financial subsidy to curb the cost of their health insurance. Enrollment is available November 1-December 15 in most states. If you have a life situation that leaves you uninsured, you might be eligible for the special enrollment period to get
Short term medical insurance is not ACA insurance. It is temporary insurance for those who need immediate coverage. Like ACA insurance, Short term health insurance includes benefits such as hospital, lab and x-rays, but it does not include all ten of the minimum essential benefits and it does not cover pre-existing conditions.