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Health Plan Options 2022

Enter zip code & compare rates to see how much you can save!

Enter zip code & compare rates to see how much you can save!

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*Possible plan options include, but are not limited to Major Medical Plans, Short Term Plans, Fixed Indemnity Plans, Community/Cost-Sharing Plans and more. Prices may vary based on plan types, location, and other factors.

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Frequently Asked Questions

What type of affordable health plan options can I find?

Finding health insurance that fits all your medical needs doesn’t need to be difficult. But it’s important to remember health plans aren’t a one-size-fits-all solution. No one knows your needs better than you. So take some time to learn about various types of health options and work with your agent to find the best fit.

Affordable Care Act (ACA) Plans

The comprehensive healthcare reform law, known commonly as ACA or Obamacare, requires qualified insurers to provide individual health insurance plans to enrollees that meet the minimum essential coverage requirements. These plans are designed to make healthcare more affordable and to provide coverage to everyone, including those with pre-existing conditions.

 

With an ACA health plan, you pay a monthly premium and typically, a co-pay when you visit your doctor. When choosing your plan, it’s important to look at the deductible, which is the amount of money you pay before your insurance “kicks in,” and your out-of-pocket maximum, which is the total amount of money you pay annually before your insurance covers you 100%.

 

Also, keep in mind, that while all ACA health insurance plans include dental and vision coverage for children, they may not include it for adults. If you need vision and dental coverage, and your plan doesn’t include it, you’ll have to purchase it separately.

Short-Term Plans

Short-term health insurance is designed to fill gaps in coverage. It’s ideal for people who are:

Fixed Indemnity Plans

Fixed indemnity plans aren’t traditional health insurance coverage. These plans are designed to supplement your health insurance by reimbursing you for out-of-pocket expenses you pay on covered medical treatments and procedures.

Community/Cost-Sharing Plans

Community/cost-sharing plans are not real health insurance plans. These plans are designed to supplement your health insurance in an effort to help you manage costs.

What should I ask the agent when I speak to them on the phone to ensure I get the plan I need?

When exploring your health plan options, you can ask the agent these questions to help determine if the coverage fits your needs. 

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