What Kind of Individual or Family Health Insurance Plan Should you Get?
There are three main types of health insurance for individuals and families: Affordable Care Act plans, short-term plans, and medical indemnity plans. There are different carriers to choose from and each offers a range of coverage options to meet your needs. Compare benefits, explore state-specific plans, and let our licensed agents help you find affordable, tailored coverage.
Affordable care Plans
Affordable Care Act (ACA) plans, also known as Marketplace plans, provide comprehensive health insurance that covers essential benefits like doctor visits, hospital stays, prescriptions, and preventive care. Designed to be affordable, these plans offer financial assistance based on income to lower premiums and out-of-pocket costs, ensuring access to quality care.
Short-Term Plans
Short-term medical plans provide temporary health insurance for unexpected medical needs, offering coverage for doctor visits, emergency care, and hospitalizations. These plans are affordable and flexible but typically do not cover pre-existing conditions or essential benefits like ACA plans, making them ideal for transitional periods.
Medical Indemnity Plans
Medical indemnity plans offer flexible, fee-based health insurance by reimbursing a set amount for specific medical services, such as doctor visits or hospital stays. These plans don’t typically cover all costs but provide supplemental coverage, allowing you to manage out-of-pocket expenses while choosing your preferred providers.
Dental & Vision Plans
Dental and vision plans provide affordable coverage for routine and specialized care. Dental plans typically include preventive services like cleanings, exams, and X-rays, plus options for restorative treatments. Vision plans cover eye exams, glasses, contact lenses, and sometimes corrective procedures. These plans help maintain overall health and reduce out-of-pocket expenses.