You can still obtain comprehensive major medical coverage if you qualify for a special enrollment period. Don’t qualify? Alternative health insurance can help with costs for a covered injury, illness or hospitalization while you’re between major medical policies. Alternative plans are not ACA-qualifying major medical policies.
You can shop around and obtain alternative health insurance like short-term medical or a hospital indemnity plan in 2019 without paying a penalty. Learn more about the repeal.Get an Instant Short-Term Medical Quote
Alternative health plans are not ACA compliant medical plans. Covered benefits vary from doctor office visits to hospital stays to care for catastrophic illnesses. So there’s a good chance you’ll find an option that meets your unique needs.Learn More About Alternative Insurance
With a range of private individual health insurance plans, premium and deductible amounts, and levels of coverage, one is sure to fit your needs and budget.
Alternative health plans offer a variety of coverages and levels of benefits, from doctor’s office visits to hospital stays to care for catastrophic illnesses. They may even provide limited coverage for certain pre-existing conditions. There’s a good chance you will find an alternative health plan that meets your unique needs.
Supplemental insurance provides additional benefits for high out-of-pocket expenses in the event of a serious accident or illness. These plans do not replace major medical, but work alongside your primary health plan to help with unexpected costs.
Healthcare solutions like virtual doctor’s visits (Telemedicine) and prescription drug cards can be another way to realize convenience and, sometimes, even additional savings. When used with alternative health insurance products like short-term medical, they can help with out-of-pocket expenses that you may experience when you go without a more comprehensive major medical policy.
Major medical insurance is comprehensive, ACA-qualifying health insurance coverage.
Since the implementation of the ACA, all major medical plans must follow the blueprint for ACA-qualifying health coverage, including: 10 essential health benefits, pre-existing conditions, and be guaranteed issue. These plans are only available during open enrollment or during a special enrollment period if you qualify.
When enrolling in an individual health insurance plan like short-term medical or dental, you’ll have to validate the costs and options available in your state.
Are you vulnerable to medical costs because you're self-employed and don't have a group major medical plan?
You may need to purchase individual health insurance, but you could qualify for alternative options.
COBRA is not your only option for health insurance if you find yourself unemployed.
Losing your job qualifies you for a special enrollment period for major medical, and there are alternatives like short-term health (available year round) as well.
What should you do if you don't get health insurance through your employer?
You may need to purchase major medical coverage on your own, or enroll in an alternative health plan.
College Students + Young Adults Over 26
What if your parents don't have insurance through their jobs or you just turned 26 and are no longer eligible to stay on their plan?
You have 7 health insurance options depending on your eligibility and circumstances.
Prefer Non-Obamacare Options
Can you buy health insurance that isn’t Obamacare? Yes.
It’s important to note that Obamacare alternatives are not comprehensive health plans and have less coverage than Obamacare plans.