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- AAT -> ACA fast track will take 4 years, only one year longer than doing the ACA directly but you'll be time qualified within the same period. - It would be a risky strategy to reject the offer and re-apply next year when there's no guarentee you'll secure another offer.
But there are still situations when a short-term policy makes a lot of sense. If you experience a qualifying event that triggers a special enrollment period, youâll need to apply for an ACA-compliant policy (on or off-exchange) during your special open enrollment period, which lasts for 60 days in most cases.