Pre-65 Health Care Insurance

If you're under the age of 65 and need health insurance, there are 4 basic options available to you. We can help you determine the right choice based on your budget and needs.

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.

Short-term major medical
These type plans can be a good alternative for consumers looking for short term major medical coverage.  Short Term health insurance, sometimes called Term health insurance or Temporary health insurance, is designed to bridge gaps in your health care coverage during times of transition. Please note however, these plans are not a replacement for regular insurance and do NOT cover any pre-existing conditions or well/preventive care.

These plans do allow you to:

  • Start your coverage fast, as soon as the next day in many cases.
  • Drop your coverage without penalty.
  • Choose from a range of available deductible amounts.
  • Apply for another term of coverage if needed.

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.

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!