What types of health insurance are available?

Health insurance generally falls into a few categories: major medical plans (available through the ACA Marketplace), short-term health insurance for temporary coverage gaps, fixed indemnity plans that pay set amounts for specific services, and supplemental plans like dental, vision, accident, and critical illness coverage.

Do I need to wait for Open Enrollment to get coverage?

It depends on the type of plan. ACA Marketplace plans require enrollment during the annual Open Enrollment Period or a Special Enrollment Period triggered by a qualifying life event. Non-ACA plans such as short-term medical and fixed indemnity are typically available year-round.

What happens after I submit my information?

A licensed agent will call you to discuss your situation and walk through coverage options that may be relevant 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.

Understanding Health Insurance

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What to Know About Health Insurance

Health insurance helps cover the cost of medical care, from routine checkups to unexpected emergencies. Plans vary widely in what they cover, how much they cost, and how they work. Understanding the basics — like premiums, deductibles, copays, and provider networks — can help you make a more informed decision when speaking with a licensed agent.

There are several types of health coverage available, including major medical plans through the ACA Marketplace, short-term health insurance for temporary gaps in coverage, fixed indemnity plans that pay set amounts for specific services, and supplemental coverage for dental, vision, or critical illness. Each type serves a different purpose and comes with different trade-offs.

A licensed agent from USHEALTH Advisors can walk you through the options that may apply to your situation based on your household size, income, and location. There is no obligation to enroll in any plan.

Understanding Your Health Options

Doctor consulting with patient about health insurance 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 insurance are available?: Health insurance generally falls into a few categories: major medical plans (available through the ACA Marketplace), short-term health insurance for temporary coverage gaps, fixed indemnity plans that pay set amounts for specific services, and supplemental plans like dental, vision, accident, and critical illness coverage.
Do I need to wait for Open Enrollment to get coverage?: It depends on the type of plan. ACA Marketplace plans require enrollment during the annual Open Enrollment Period or a Special Enrollment Period triggered by a qualifying life event. Non-ACA plans such as short-term medical and fixed indemnity are typically available year-round.
What happens after I submit my information?: A licensed agent will call you to discuss your situation and walk through coverage options that may be relevant 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.

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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