Originally Posted by Potstickers
If you are signing up for an off-exchange plan to start January 1, are you subject to medical review? I'm having trouble getting a straight answer on this.
There are three types of off-exchange plans. The ACA-compliant ones with Bronze, Silver, Gold or Platinum in the name or description do not have medical underwriting.
Short-term Medical (STM) plans are purchased off-exchange. They have medical underwriting, exclude pre-existing conditions, and have other coverage limitations.
Health Care Sharing Ministry (HCSM) plans usually have a waiting period before pre-existing conditions are covered. They are not regulated.