Family Short-Term: 4 months Cover with $6,000 (aggregate) Deductible ($1,000,000 Cap)

The Family Short-Term is priced per family unit but underwritten per person. It runs up to 4 months with a $6,000 (aggregate) deductible, 30% coinsurance and a $1,000,000 benefit cap, priced around $320–$520 a month for a healthy adult applicant.

The four numbers that matter

Taken together, this structure means a serious event bills you $6,000 (aggregate) plus 30% of the remainder until the cap is reached. For a $40,000 surgery that is the difference between a manageable bill and a financial event — run the arithmetic before buying on premium alone.

Who this structure fits

• Best for: two adults and children with no pre-existing conditions.
• Workable if: you are healthy, have no prescriptions and keep the deductible in savings.
• Avoid if: you have an ongoing condition, are pregnant, or expect a procedure in the next 4 months.

Underwriting is the gate. If you take a daily medication, expect either a rider excluding that condition or a denial — either outcome changes the math in favor of a marketplace plan.

Cost of ownership over the term

Premiums alone total about $320–$520 a month across the term. Add the deductible and you reach your true exposure: that combined figure is what should be compared against an ACA bronze plan’s premium and out-of-pocket maximum, not the monthly premium by itself.

Also check the network: limited PPO panels mean out-of-network care can be billed at full price, which is how a covered event still ends in a five-figure bill.

Family Short-Term is a tool for a defined, short, low-risk gap — priced at $320–$520 a month with a $1,000,000 ceiling. Read the exclusions before the premium.