Alternative Health Insurance

Alternative health insurance (e.g., short-term medical and hospital insurance) is non-major medical insurance.  These plans don’t have to comply with ACA requirements covering the 10 essential health benefits or be guaranteed issue.

Why Get an Alternative Health Plan?

Alternative health plans are not one-size-fits-all; covered benefit levels vary from doctor office visits to hospital stays to care for catastrophic illnesses. There’s a good chance you will find one that meets your unique needs.

Manage Your Budget

A range of deductible, coinsurance and benefit options means you can get a plan with a monthly premium that fits your budget.

Keep Your Doctor

With no network limits, you can see any health care provider you want. Some plans partner with networks that provide additional discounts if you choose providers within them.

Enroll Anytime

No open enrollment period means you can enroll anytime during the year. Enroll today and obtain coverage tomorrow if you qualify.

Types of Alternative Health Plans

Short-Term Health Insurance

Short-term health plans are designed to provide coverage for a limited duration, 30 to 364 days depending on your state.

These plans have more restricted coverage than major medical but may also have lower monthly premiums.

Learn more about short-term health insurance

Need temporary health coverage tomorrow?

Quote + enroll today!

Hospital Insurance

Hospital indemnity plans (HIP) provide coverage specifically during hospitalization. These are “fixed” benefit plans that pay a set benefit amount per day, week, month or visit, rather than the insurance company paying a percentage of the total expense for a covered service.

Coverage varies, but you can add optional services like preventive care, X-rays and urgent care for additional premium.

Learn more about hospital indemnity plans

Need additional benefits for a hospital stay?

Quote + enroll today!

Health Insurance Packages

Health insurance packages combine insurance plans like short-term medical and fixed hospital indemnity insurance into one to provide temporary coverage for higher-dollar claims, and additional fixed coverage for smaller claims.

Learn more about health insurance bundles

Need more expanded coverage?

Quote + enroll in Fusion today!

Compare Alternative Health Plans With Major Medical

Trying to decide between major medical and an alternative health insurance plan?

Here’s a quick look at some of the general differences between major medical, short-term health and fixed hospital indemnity plans. Specific plans will have different benefits and restrictions, so it’s important to read and understand the details of any plans you’re considering before making a decision.

Major Medical Plan Short-Term Health Plan Hospital Plan Short-Term +
Hospital Package
Enroll Anytime (365 days per year)

Guaranteed Issue

Guaranteed Renewable

Monthly Premium*





Covers Pre-Existing Conditions


Preventive Care Coverage



RX Drug Coverage




Next-Day Coverage Available


Network Restrictions



Year-Round Coverage


Apply Online

Benefits Payout

Percentage to Provider

Percentage to Provider

Fixed Amount to Provider and/or Insured

Percentage to Provider and Fixed Amount to Provider and/or Insured

* The amount of benefits provided depends on the plan selected, and the premium will vary with the amount of benefits selected.

** Unsubsidized ACA plans

*** Some short-term health plans may cover limited pre-existing conditions.

**** Year-round coverage applies to the hospital plan only. Short-term medical is available up to 90 days in some states.

 = yes
 = no
= Sometimes

Who are Alternative Health Plans For?

Short-term medical provides temporary limited coverage that can help during certain life transitions, while fixed hospital indemnity plans provide hospitalization coverage in a fixed indemnity benefit.

Either one may be a good option if you are:

  • Exempt from the Affordable Care Act
  • Unable to afford comprehensive major medical coverage (an ACA plan)
  • Temporarily unemployed or between jobs
  • In a new-employee waiting period and temporarily without benefits
  • Going through a divorce and losing your coverage
  • Retired but haven’t met the age requirement for Medicare

Learn More About Your Alternative Health Insurance Options

Short-Term Health Insurance
  • Affordable Monthly Premiums
  • Keep Your Doctor
  • Coverage Tomorrow (if you qualify)

Learn more about short-term health insurance

Hospital Insurance
  • Year-round Coverage
  • Guaranteed Renewable
  • You Choose How to Use Your Flexible Cash Benefits (benefits may be assigned to your provider or reimbursed directly to you for out-of-pocket covered expenses)

Learn more about hospital indemnity plans

Health Insurance Packages
  • Highly Customizable
  • Enroll Anytime
  • More Coverage, Less Hassle in One Convenient Plan



Learn more about health insurance bundles

Not Sure How to Get Started With Alternative Health Insurance?

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