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Find a Health Insurance Policy That Suits Your Unique Needs

Different health plans work better for different families, depending on their budgets and health situations. Assurance can help identify your insurance solution.

What is this plan?
An ACA plan is a major medical health insurance policy that conforms to the regulations set forth in the Affordable Care Act (Obamacare).
Who should consider these plans?
  • You want comprehensive coverage for anything that might happen, including coverage for maternity, mental health, or pre-existing conditions, and/or
  • Your income is low enough to qualify for government ACA subsidies
Is there coverage for maternity, mental health, and pre-existing conditions?
Yes
Are there government subsidies for the monthly premium?
Yes, if you qualify
What happens if you have a small covered medical expense?
If there is a deductible, you pay the deductible amount first. Then, the plan typically pays a percentage of the remaining covered costs, and you pay the rest.

Many preventive care services are free; there is no deductible that you need to meet first for these services.
What happens if you have a huge covered medical expense?
The most you will pay for covered services is the maximum out of pocket.
What is this plan?
Short term medical plans offer an affordable safety net for consumers who may find themselves temporarily without permanent coverage or unable to afford comprehensive coverage.
Who should consider these plans?
  • You are relatively healthy, and are not looking for coverage for things like maternity, mental health, or pre-existing conditions
  • You missed the ACA enrollment period
  • Your income is too high for ACA subsidies
  • You are only looking for coverage for a short period of time
Is there coverage for maternity, mental health, and pre-existing conditions?
Typically no; check plans for details
Are there government subsidies for the monthly premium?
No
What happens if you have a small covered medical expense?
If there is a deductible, you pay the deductible amount first. Then, the plan typically pays a percentage of the remaining covered costs and you pay the rest. You also pay anything above specific benefit limits and anything above policy limits.

Some plans require that you meet the deductible even for preventative care.
What happens if you have a huge covered medical expense?
After you reach your maximum out-of-pocket, your plan pays the remaining covered expenses, up to specific benefit limits and/or policy limits. Your out-of-pocket costs could be significant.
What is this plan?
Fixed indemnity plans are a supplemental health insurance that helps manage out-of-pocket costs. They provide an extra layer of protection in the event of serious injury or illness.
Who should consider these plans?
  • You want affordable monthly premiums, and don’t mind having benefits that are more limited, and/or
  • You want a plan that offsets hospital expenses, and you are okay with paying the rest out-of-pocket, and/or
  • You have missed the ACA enrollment period
Is there coverage for maternity, mental health, and pre-existing conditions?
Some plans have limited coverage; check plans for details
Are there government subsidies for the monthly premium?
No
What happens if you have a small covered medical expense?
The plans will pay up to the fixed benefit amount for covered services; you are responsible for the remaining amounts. No deductible to meet first.
What happens if you have a huge covered medical expense?
The plans will pay you up to the fixed benefit amount for covered services, and you are responsible for the remaining amounts. Your out-of-pocket costs could be significant.

Additional coverage options:

  • Dental coverage
  • Vision coverage
  • Critical illness coverage
  • Telehealth

Licensed health insurance agents are ready to assist if you’re not sure what plan is right for your needs. Our licensed health insurance agents are well-versed in the various types of medical plans and can help you determine the right plan.

If you are 65 or older, you may want to consider getting Medicare, the federal health insurance program for those 65 and over, as well as young people with disabilities, or certain diseases.

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  • ‌Explore various health insurance policy options from multiple carrier
  • Receive clear, personalized advice, from a licensed health insurance agent if you need it

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Short Term Health Insurance and Health Benefit Indemnity insurance (HBI) are insurance outside of the Affordable Care act (Obamacare). Short Term Health Insurance and HBI do not cover pre-existing conditions and do not include all ten of the minimum essential benefits of Obamacare.

Residents of certain states may not be able to enroll in ACA-compliant health insurance through Assurance (Us, Our platform, etc.). Health plans/products advertised are insurance policies or health benefits products (in the case of health maintenance organizations, prepaid health plans and other direct service organizations). RO1857400