Individual and Family Plans
Individual & Family Health
For individuals & families, there are 3 types of health insurance:
Affordable Care Act Plans
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Private Plans (Short-Term Plans)
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“ACA plans provide benefits for a broad range of health care services, both inpatient and outpatient, and can save you money on routine doctor visits, prescription drugs, preventative care, hospital stays, and more.”
Medical Indemnity Plans
When combined with other insurance, medical indemnity plans can help cover out-of-pocket medical expenses like copays and coinsurance. You can also purchase a medical indemnity plan as your only insurance or as part of an insurance package, but as with short-term health insurance, medical indemnity plans do not meet the requirements of the Affordable Care Act (ACA) and will not help you avoid any state tax penalties.
Indemnity plans also typically do not cover preexisting conditions and may include per-incident, yearly, and/or lifetime benefit limits.
Medical indemnity plans are not right for everyone, but if you want help covering medical costs and expenses, they may be worth a second look. “Obamacare,” but whatever you call them, these plans meet all the requirements of the ACA and are typically the most comprehensive on the market. If you have a chronic illness or face a medical emergency, these plans can help prevent staggering expenses.
ACA plans provide benefits for a broad range of health care services, both inpatient and outpatient, and can save you money on routine doctor visits, prescription drugs, preventative care, hospital stays, and more.
These plans are available to almost everyone, and you can’t be denied based on preexisting conditions.
Want to see if you are eligible?
