Explore 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.
Types of Health Coverage Available
Health coverage comes in many forms, each designed for different needs and circumstances. Major medical insurance (available through the ACA Marketplace) provides comprehensive coverage including hospitalization, prescriptions, maternity care, and preventive services. Short-term health insurance offers temporary coverage for gaps between plans, with flexible term lengths and typically faster enrollment.
Fixed indemnity plans pay a set dollar amount for covered services like doctor visits, hospital stays, and surgeries. These plans supplement other coverage but are not a substitute for major medical insurance. Supplemental plans — including dental, vision, accident, critical illness, and hospital indemnity — help cover costs that primary insurance may not fully address.
A licensed agent from USHEALTH Advisors can review the types of coverage that may be relevant to your household and help you understand how different plan types work together. There is no cost or obligation to speak with an agent.
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
- What types of health coverage are available?
- Coverage types include major medical (ACA Marketplace plans), short-term health insurance, fixed indemnity plans, and supplemental coverage such as dental, vision, accident, critical illness, and hospital indemnity. Each type serves a different purpose and has different costs, benefits, and limitations.
- What is fixed indemnity insurance?
- Fixed indemnity insurance pays a set dollar amount for covered medical services such as doctor visits, hospital stays, and surgeries. It is supplemental coverage and is not a substitute for comprehensive major medical insurance. It does not cover pre-existing conditions and is not ACA-compliant.
- Can I combine different types of coverage?
- Yes. Many people pair a primary health plan with supplemental coverage like dental, vision, accident, or critical illness insurance to help cover costs their primary plan does not fully address. A licensed agent can help you understand how different plan types work together.
- What happens after I submit my information?
- A licensed agent will call you to review the types of coverage that may be relevant to your household. There is no cost or obligation to speak with an agent.
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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