Health Coverage Options for You
Compare coverage types available in Your State
Licensed agents available to discuss health coverage options for your household.
Types of Health Coverage Available
Health coverage comes in many forms, each designed for different needs and circumstances. Major medical insurance (available through the ACA Marketplace) provides comprehensive coverage including hospitalization, prescriptions, maternity care, and preventive services. Short-term health insurance offers temporary coverage for gaps between plans, with flexible term lengths and typically faster enrollment.
Fixed indemnity plans pay a set dollar amount for covered services like doctor visits, hospital stays, and surgeries. These plans supplement other coverage but are not a substitute for major medical insurance. Supplemental plans — including dental, vision, accident, critical illness, and hospital indemnity — help cover costs that primary insurance may not fully address.
A licensed agent can review the types of coverage that may be relevant to your household and help you understand how different plan types work together. There is no cost or obligation to speak with an agent.
Coverage Options Worth Exploring
Everyone's situation is different. Here are the most common types of health coverage — a licensed agent can help you figure out which makes sense for you.
Fixed Benefit Plans
Provides predetermined cash amounts for doctor visits, hospital stays, and procedures. Works alongside your primary insurance — not a replacement for major medical.
COBRA Coverage
Continue your employer-sponsored benefits after leaving a position. Identical coverage with you covering the full cost plus a small administrative fee.
Short-Term Medical
Temporary protection for coverage gaps between plans. Generally more affordable premiums with narrower benefits. Not offered everywhere.
ACA Marketplace Plans
Comprehensive medical coverage with no medical underwriting — pre-existing conditions cannot be used to deny you. You may qualify for income-based premium assistance. Available during Open Enrollment or after a qualifying life event.
Supplemental Plans
Add-on dental, vision, accident, and critical illness protection to fill the gaps your main health plan might leave uncovered.
Medicare
Federal health coverage for adults 65 and older or those with qualifying disabilities. Includes hospital, medical, and prescription drug benefits with multiple plan options.
Personalized Guidance from Licensed Agents
Share your ZIP code and a few household details, and a licensed agent will walk you through the options that fit your budget and health needs. There is no fee for speaking with an agent and no obligation to enroll.
Plan availability depends on your state, carrier, and enrollment timing. Non-ACA options like short-term and fixed benefit plans have coverage limitations and are not major medical. This site is privately operated and not connected to any government agency.
Common Questions
Quick answers about how this works and what to expect.
Coverage types include major medical (ACA Marketplace plans), short-term health insurance, fixed indemnity plans, and supplemental coverage such as dental, vision, accident, critical illness, and hospital indemnity. Each type serves a different purpose and has different costs, benefits, and limitations.
Fixed indemnity insurance pays a set dollar amount for covered medical services such as doctor visits, hospital stays, and surgeries. It is supplemental coverage and is not a substitute for comprehensive major medical insurance. It does not cover pre-existing conditions and is not ACA-compliant.
Yes. Many people pair a primary health plan with supplemental coverage like dental, vision, accident, or critical illness insurance to help cover costs their primary plan does not fully address. A licensed agent can help you understand how different plan types work together.
A licensed agent will call you to review the types of coverage that may be relevant to your household. There is no cost or obligation to speak with an agent.
Non-ACA plans — such as short-term medical, fixed benefit, and health care sharing arrangements — do not provide all essential health benefits required under the Affordable Care Act and should not be treated as a replacement for comprehensive major medical insurance. Covered services, exclusions, and limitations depend on the specific plan, insurance carrier, and your state. To learn about ACA marketplace plans, visit HealthCare.gov.
This website is privately owned and has no affiliation with, endorsement from, or operational connection to any federal or state government body, the federal Health Insurance Marketplace, or the Centers for Medicare & Medicaid Services (CMS).
Ready to Explore Your Options?
Enter your ZIP code and a licensed agent will reach out. No consultation fee, no obligation to enroll.
Take the first step toward the right health coverage for your family.