Short term health insurance

A short term health insurance plan can be a very good alternative to the individual health insurance plans offered thru the Affordable Care Act.   In 2019, the penalty of not having creditable coverage is being eliminated.  Furthermore,  the short term coverage periods are being extended to have continuous coverage for up to 36 months.  In most cases, the short term plans have a larger number of providers/facilities that are in-network which gives the consumer more flexibility.  The only downside to these plans is that pre-existing health conditions are not covered.