Great News! BCBS just announced that Bridge Blue plans are back!
October 2025: BlueCross BlueShield has brought back Bridge Blue Short-Term Plans — an affordable coverage option designed for the right situation.
These plans operate similarly to traditional health plans that existed before the Affordable Care Act (ACA). Short-term plans often cost significantly less per month than many ACA marketplace options, especially if you don’t qualify for a large subsidy.
The main reason these plans are generally more affordable is that they involve medical underwriting — meaning your application is reviewed based on your health status. These plans are intended for individuals in good health and even offer incentives for maintaining healthy habits.
However, it’s important to note that short-term plans do not cover:
- Newborn care
- Contraceptives
- Pediatric (children’s) dental or vision services
They also come with policy term limits.
How Bridge Blue Works
Each Bridge Blue policy provides coverage for 11 months and can be renewed twice (subject to approval) — offering up to 33 months of total coverage.
Key Differences: Short-Term vs. ACA Plans
- Coverage Limit: Short-term plans have a $1,000,000 maximum benefit, while ACA plans have no benefit cap.
- Benefits: Short-term plans do not cover contraceptives, newborn care, or pediatric dental/vision.
- Underwriting: Short-term plans are medically underwritten — approval is based on your current health.
- Maternity Coverage: Short-term plans include a separate, higher deductible for maternity care, which does not apply toward your maximum out-of-pocket limit.
- Taxes: Short-term plans are not tied to federal tax requirements and do not satisfy ACA minimum essential coverage.
If you’re unsure about your next step, our agents are here to help guide you through your options.
