During the Open Enrollment, I’ve talked to hundreds of people. Some are getting conned by bad insurance agents. I call them bad because they either don’t know, don’t care, or are just plain crooked. If you bought a Short-Term plan or an Individual PPO (Preferred Provider Organization) and the Agent didn’t explain the difference between a Qualified Health Plan and the one you bought, then you’ve dealt with a bad insurance agent. You will have to pay the penalty next year for not having a Qualified Health Plan.
A Qualified Health Plan has 10 Essential benefits included in them. The others do not. Be sure to ask before you buy!