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Health insurance can be complex. Use our established marketplace to find different private, Under 65 health plans that offer diverse coverage and network choices. You might find plans with lower premiums!
These changes mean options like Short Term plans for transitions or Fixed Indemnity plans (paying fixed amounts for services) can supplement coverage or bridge gaps. Comparing all options is crucial to potentially save thousands on unexpected medical expenses and secure plans with low monthly premiums for qualified individuals.
Finding the right health insurance plan involves comparing costs and coverage details - from monthly premiums and deductibles to co-pays and provider networks. Plans vary significantly, and understanding these differences is crucial. Our licensed agents can help you understand and compare your options effectively.
We partner with leading health insurance carriers and brokers nationwide to help you find affordable coverage. Simply enter your zip code and answer a few questions about your needs. Our licensed agents will help you compare plans and find the best value, whether it's a private plan, short-term coverage, or another option suitable for you.
IMPORTANT UPDATE: New health insurance pricing rules could significantly lower costs for many families, potentially saving thousands yearly while ensuring access to quality medical care. ➡️ Check your eligibility now!
Have questions?
We offer access to a variety of health insurance options including private (Under 65) plans, Short Term health insurance, Fixed Indemnity plans, and potentially ACA/Marketplace plans if applicable based on your situation. Our licensed agents can help you find the right coverage based on your specific needs and budget.
Private health insurance plans, often called Under 65 (U65) plans, are for individuals under 65 not eligible for Medicare. These plans are purchased directly from insurance companies or through brokers. They vary widely in coverage levels, network access, and costs (premiums, deductibles, co-pays). Some may cater to specific needs not fully met by standard marketplace plans. Unlike ACA plans, enrollment isn't limited to specific periods, and coverage for pre-existing conditions can vary depending on the plan type (e.g., short-term plans may exclude them).
Short Term health insurance plans provide temporary coverage for individuals during transitional periods, such as when changing jobs or waiting for other coverage to begin. These plans typically offer lower premiums than comprehensive major medical plans but provide less extensive coverage and may not cover pre-existing conditions or essential health benefits mandated by the ACA.
Fixed Indemnity plans pay a predetermined, fixed cash benefit amount for covered healthcare services, regardless of the actual cost charged by the provider. These payments go directly to you, not the hospital or doctor. These plans are designed to supplement major medical insurance, helping cover out-of-pocket expenses like deductibles or co-pays, or non-medical costs associated with illness or injury. They are not comprehensive health insurance.
When speaking with an agent, ask about: 1) Coverage details for your specific healthcare needs (doctor visits, specialists, hospital care), 2) Monthly premium costs, 3) Deductible amounts, co-pays/co-insurance, and out-of-pocket maximums, 4) Network providers and if your current doctors/hospitals are included, 5) Prescription drug coverage details (formulary, tiers, costs), 6) Any waiting periods or exclusions, especially for pre-existing conditions (depending on plan type), and 7) The enrollment process and effective dates of coverage. Clarify the type of plan being offered (e.g., Major Medical, Short Term, Fixed Indemnity).
Don't wait until it's too late
Rising healthcare costs mean waiting could cost you thousands.
Speak with a licensed agent today to lock in your rate and ensure you have the coverage you need.
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