If cost is a concern, start by checking your Medicaid eligibility, if you qualify, coverage is free or very low cost. If your income is above the Medicaid threshold, marketplace premium subsidies may significantly reduce your monthly cost. short term health insurance is another option as a temporary bridge, and depending on state rules, plan lengths can range from 1 month to nearly 3 years, though these plans are less comprehensive than ACA coverage; some lower-cost alternatives outside ACA-compliant coverage may also have a waiting period or exclude pre existing conditions, which can make them a poor fit for ongoing care. A health insurance navigator or broker can help you compare options at no cost to you.