The open enrollment period for coverage under the Affordable Care Act has a few days more before December 15.
In opposition to coverage that is compliant with the Affordable Care Act. "Short Term" (up to 365 days) Insurance has a lower premium, but denies coverage for
pre-existing conditions,
pregnancy/maternity care,
emergency room visits,
prescription drugs,
mental health treatment.
At the end of a one-year term it would be necessary to re-apply for the next term. So any health problems that arose during the first one-year term would then be a pre-existing condition (not covered in the new term policy).
There may exclusions and coverage limits in the written policy.
The marketing of Short Term Health Insurance plans has attracted criticism by Senator Tammy Baldwin and others. For instance, the government website Healthcare.gov contains links to third party on-line insurance brokers who sell the short term plans. Robocalls (telemarketing) pitches are coming thick and fast.
Consumers, in some cases, may be confused about the coverage they are buying.