In particular, those who do not qualify Obamacare plan subsidies will be hit by especially high premiums.A 29 year old woman making $33,000 per year in South Florida would pay approximately $2,200 per year for a bronze-level Obamacare plan. For less than $500 per year she can purchase four Short Term plans back-to-back with a comparable deductible, pay the tax penalty of $695 , and save over $1,000 per year.

Short Term Health Insurance plans can be far more affordable than an ACA plan even after you consider the tax penalty.

You can still get an ACA plan if you do develop a condition that prevents you from reapplying for a Short Term Medical Insurance plan.

Affordable Care Act health plans cannot deny coverage for pre-existing conditions. If you do develop a health condition,you might not be eligible for a subsequent Short Term Health Insurance plan, but you can secure an ACA plan during Open Enrollment.