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Different health plans work better for different families, depending on their budgets and health situations. Assurance IQ 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? |
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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 healthcare 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 healthcare services is the maximum out of pocket. |
What is this plan? | Short term medical plans offer an affordable healthcare safety benefits net for consumers who may find themselves temporarily without permanent coverage or unable to afford comprehensive coverage. |
Who should consider these plans? |
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Is there coverage for maternity, mental health, and pre-existing conditions? | Typically no; check plans for details on getting information. |
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 healthcare 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 medical insurance 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 benefits, 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 healthcare 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? |
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Is there coverage for maternity, mental health, and pre-existing conditions? | Some plans have limited care coverage; check plans and medical insurance quotes to find details. |
Are there government subsidies for the monthly premium? | No |
What happens if you have a small covered medical expense? | The healthcare 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 health care coverage options:
- Dental coverage
- Vision coverage
- Critical illness coverage
- Telehealth
Licensed health insurance agents at Assurance IQ are ready to assist and provide medical insurance quotes 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 get quotes to determine and compare prices for 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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Health Insurance Frequently Asked Questions

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