You could get help buying a comprehensive major medical plan from the public marketplace. Use the Obamacare Calculator now to find out your subsidy amount and learn about other options you can consider if you don’t qualify.
Beginning January 1, 2019, the federal tax penalty for not obtaining major medical insurance will no longer be enforced. That means you have more options for health insurance coverage (such as short term health insurance) that isn’t ACA qualifying and doesn’t cover essential health benefits.
Ready to shop alternative health plans? Start a short term health quote now to see available options in your state.
Whether you missed open enrollment and don’t qualify for a special enrollment period or simply prefer non-Obamacare health insurance, individual alternative health insurance can help with out-of-pocket expenses for qualifying events if you get sick or injured.
Available for 30 to 364 days per year depending on your state (not available in some states), short term health insurance has more restricted coverage than major medical and generally lower premiums. However, if you’re between jobs or simply want a minimal health insurance plan, short term medical may be a good option.
Learn more about short term health insurance.
The quote and enroll process for short term medical takes just a few minutes. Apply today – enjoy coverage tomorrow if you qualify as coverage is not guaranteed issue!
If you require hospitalization due to a critical illness or injury, you will want help paying for hospital room and board, inpatient prescriptions, and ambulance services.
Hospital insurance can supplement your major medical plan by providing additional lump-sum benefits, or it can function as a stand-alone alternative to major medical hospitalization benefits.
Learn more about hospital indemnity insurance.
Answer a couple of basic questions about yourself, then choose from multiple plan options with a range of premiums to find one that fits your budget.
Bundle multiple alternative health plans into one solution for both high-dollar and hospitalization coverage.
The Fusion Bundle: Fusion and Fusion STM combines daily fixed hospital, surgical, and critical illness benefits and a short term health plan for high-dollar covered medical expenses (up to $2 million).
Learn more about bundled health insurance plans.
The quote and enroll process for the Fusion bundle takes just a few minutes and is subject to approval by the carrier. Find your plan now!
Supplemental health insurance provides additional benefits for high out-of-pocket expenses in the event of a covered accident or critical illness. In many cases, these plans work alongside your major medical insurance and do not coordinate with other health benefit plans.
Enhance your ACA major medical bronze with medical gap lump-sum cash benefits you can use to pay your high deductible. Learn more about pairing supplemental health plans with subsidized ACA plans to limit your out-of-pocket costs.
Don’t have dental insurance through your employer or ACA plan? Oral health contributes to overall health. Dental plans can help cover routine cleanings and exams at or near 100%. Plus, gain access to benefits that help pay for unforeseen care such as fillings or crowns.
Add-ons to health insurance can help close gaps in your healthcare coverage.
Skip the waiting room and high-cost visits to the doctor for minor ailments like cold, flu and ear infections.
Telemedicine provides access to licensed physicians 24/7 via virtual doctor’s visits from the comfort of your home.
Spend less at the pharmacy with a discount drug card program. You and your family can access savings for a range of brand name and generic prescriptions at point-of-purchase.