Pre-65 Health Care Insurance

If you're under the age of 65 and need health insurance, there are 2 basic options available to you. 

On-Exchange Plans (OBAMA CARE – Affordable Care Act)
The plans are administered through either the Federal healthcare Exchange or by the State, depending on the state you live in. Many people qualify for subsidies based on qualifying factors to help with their health care costs. This is typically the first step in finding the right plan.

Off-Exchange Plans
If you don’t qualify for a subsidy you can purchase some health insurance directly from a carrier.

Hospital Indemnity Insurance

Hospital indemnity insurance is a type of plan that pays a set amount – per day, per week, per month, or per visit. In addition to a hospital per diem, a more comprehensive plan might feature payments for an ambulance trip, surgery or maternity visit, or increased payments for intense ailments such as stroke or cancer. Benefits can disburse in lump sums for short admittances or on a daily or weekly basis during longer visits. It is not comprehensive insurance.

As you can see, there are many options to choose from with different benefits and payment methods. We're here to help you through the confusion. Contact us today!