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How We Keep Our Prices Low

We do not provide Minimum Essential Coverage as mandated by the Affordable Care Act. By limiting the conditions we cover, including pre-existing conditions, narrowing the maximum amount of benefits we cover and defining who we cover, we are able to offer lower premiums than major medical plans.


We want to be honest with you, and we don’t want to sell you Short-Term Medical insurance if it’s not the best fit for your needs. Here are some things to consider.

Do you have a pre-existing condition?

Major Medical

If you have a pre-existing condition, a major medical plan might be the best option for you.


If you are generally healthy, do not have any chronic conditions and are looking for health insurance to cover major emergencies, unexpected illnesses and accidents, Vera may be for you.

Do you make less than $50,000 a year?

Major Medical

The Affordable Care Act subsidizes individuals who make under $50,000 a year, so major medical plans are usually a better option for those earning less than $50,000 per year.


If you don't qualify for a subsidy under the Affordable Care Act, then a Short-Term Health insurance plan could better fit your needs at a lower cost.

Are you going to have a baby soon?

Major Medical

If you are currently pregnant or planning a pregnancy, a Major Medical insurance plan would be your best option to ensure covered maternity services.


Vera does not cover maternity services for pregnant mothers or women who plan to become pregnant in the near future.

If you think a major medical policy is better for you, we can help you find the right one. For any questions, call us at 1-844-961-9645. We will always help you find the right solution even if it's not with us.

Other Things to Consider:

If you have a good relationship with your current primary care physician that you want to continue, you should find out if they accept the insurance that you’re considering. We provide access to the doctors and hospitals in the Aetna Open Choice® PPO Network. To find a provider, visit