Health Coverage Starts Here
Explore Health Plan Options in Your State!
- Health coverage options for individuals and families
- Plans available year-round, not just Open Enrollment
- No obligation to purchase
- Speak with a licensed agent about your options
Licensed agents are ready to help you explore health coverage options for you and your family's needs.
Understanding Your Health Options
ACA / Marketplace Plans
Health insurance plans sold through the federal or state Marketplace under the Affordable Care Act. These plans must cover essential health benefits including hospitalization, prescriptions, maternity care, and preventive services. Depending on your income, you may qualify for subsidies that lower your monthly premium.
Short-Term Health Insurance
Temporary coverage designed to bridge gaps between major medical plans. These plans can offer quick enrollment and flexible term lengths. Note that short-term plans may exclude pre-existing conditions and do not include all essential health benefits required by the ACA.
Fixed Indemnity Plans
A type of supplemental insurance that pays you a fixed dollar amount when you receive a covered medical service, regardless of the actual cost. Common covered services include doctor visits, hospital stays, surgeries, and prescriptions. These plans are not major medical insurance and are not a substitute for ACA-compliant comprehensive coverage.
Supplemental Coverage
Dental, vision, accident, critical illness, and hospital indemnity plans that help fill gaps in your primary health insurance, providing additional financial protection for expenses major medical may not fully cover.
How It Works
Get connected with a licensed agent in three simple steps.
Enter Your ZIP Code
Tell us where you live to find options in your area.
Answer a Few Questions
Share basic details about your household and needs.
Speak with a Licensed Agent
A licensed agent will call to discuss your options. No obligation to enroll.
Frequently Asked Questions
- What happens after I submit my information?
- A licensed agent will call you to discuss coverage options based on your household, income, and location. There is no obligation to enroll in any plan.
- Is there a cost to speak with an agent?
- No. Speaking with a licensed agent is at no cost to you, and there is no obligation to purchase any plan.
- What types of plans are available?
- Available plans may include short-term health insurance, fixed indemnity plans, and supplemental coverage such as dental, vision, accident, and critical illness. Depending on the time of year and your eligibility, ACA Marketplace plans may also be an option. A licensed agent can help determine which plan types fit your situation. For ACA Marketplace enrollment, visit HealthCare.gov.
- Do I have to wait for Open Enrollment?
- It depends on the type of plan. ACA Marketplace plans require enrollment during the annual Open Enrollment Period or a qualifying Special Enrollment Period. Non-ACA plans such as short-term medical and fixed indemnity are typically available year-round.
Non-ACA plans, including short-term medical insurance, fixed indemnity plans, and health care sharing programs, are not required to provide all essential health benefits and should not be considered a substitute for comprehensive major medical coverage. Coverage for pre-existing conditions, benefit availability, limitations, and exclusions will vary depending on the plan type, carrier, and your state of residence. For ACA marketplace plans, visit HealthCare.gov.
This website is not affiliated with, operated by, or endorsed by any federal or state government agency, the federal Health Insurance Marketplace, or the Centers for Medicare & Medicaid Services (CMS).
Your Health Coverage – Starts Here
Enter your zip code to get started
Explore Your Health Coverage Today and Protect Your Health