What Consumers Need to Know About Health Coverage That Doesn’t Comply with the Affordable Care Act

Justin Giovannelli and Kevin Lucia | 2026-02-19As Trump administration policies and Congressional inaction on enhanced premium tax credits make ACA marketplace coverage harder to access and afford, this publication explains what consumers need to know about the risks of alternative coverage arrangements — including short-term plans, health care sharing ministries, fixed indemnity insurance, and Farm Bureau plans — that lack the ACA's core consumer protections. Please click here to view the publication.