Individual and Family Health Insurance

Open Enrollment is Nov 1 - Dec 15th for Plans with a January 1 2022 Start Date

Short Term and Doctor & Hospital Indemnity Plans

Alternative plans to a Qualified Health Plan from the ACA Marketplace include Short Term Health Plans, and Doctor & Hospital Indemnity Plans.    These plans are available for adults ages 18-64, their spouse and children up to age 26-31 (depending on state of residency).  These plans vary by state and can be obtained at any time.  They are not considered “Affordable Care Act” insurance.  As such, they are subject to medical underwriting.  Plans are affordable, offer usable insurance and you can choose your deductible from low to high.  Note:  Doctor & Hospital Indemnity plans are available with $0 deductible.

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DOCTOR OFFICE VISITS
Blood Pressure Exam
IN-PATIENT HOSPITALIZATION
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URGENT CARE VISITS
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OUT-PATIENT SURGERY
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PREVENTATIVE CARE
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X-RAYS & LABS
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EMERGENCY ROOM
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PRESCRIPTION DRUGS
ALL PLANS INCLUDE
MAXIMUM BENEFIT (LIFETIME)
DEDUCTIBLE
COINSURANCE
COINSURANCE OUT-OF-POCKET MAXIMUM