Affordable Health Coverage Options
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 Health Insurance Costs
The cost of health insurance depends on several factors, including your age, household size, income, location, and the type of plan you choose. Monthly premiums are just one part of the picture — deductibles, copays, and out-of-pocket maximums all affect what you actually pay when you need care.
ACA Marketplace plans may offer premium subsidies based on household income, which can significantly reduce monthly costs for qualifying individuals and families. To explore ACA plans and check subsidy eligibility, visit HealthCare.gov. Non-ACA options like short-term medical and fixed indemnity plans often have lower premiums but more limited coverage and may exclude pre-existing conditions.
A licensed agent can help you understand the cost differences and coverage trade-offs based on your specific circumstances.
To explore ACA Marketplace plans and check subsidy eligibility, visit HealthCare.gov.
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.
Frequently Asked Questions
- How can I find affordable health coverage?
- Affordability depends on balancing monthly premiums against out-of-pocket costs like deductibles and copays. Lower-premium plans often have higher deductibles. A licensed agent can help you understand the trade-offs based on your budget and healthcare needs.
- What is the difference between ACA and non-ACA plans?
- ACA plans are sold through the Health Insurance Marketplace, cover essential health benefits, cannot deny coverage for pre-existing conditions, and may offer income-based subsidies. Non-ACA plans (short-term, fixed indemnity, supplemental) often have lower premiums but more limited coverage. The types of plans available to you may vary based on enrollment periods and eligibility. For ACA options, visit HealthCare.gov.
- Are subsidies available to reduce health insurance costs?
- Premium subsidies are available only through ACA Marketplace plans and are based on household income. To check your eligibility for subsidies, visit HealthCare.gov. Non-ACA plans offered through USHEALTH Advisors are not eligible for subsidies.
- 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.
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).
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