Finding health insurance for self-employed folks can be a challenge. If you’re under the age of 65 and looking for BEST individual medical insurance option, there are 3 basic options available. We offer all 3! We will work with you to determine the right choice based on your specific health insurance needs and financial budget. If you are able to qualify for a subsidized health plan based on your household income, then a through the Affordable Care Act may be the best option for you. If you do not qualify for this affordable option, are self-employed, or simply looking for more flexibility within your benefits or network? Perhaps one of our other options below will better fit your needs?

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Fixed-Indemnity Benefit Plan: Are you tired of a plan that requires you to satisfy a high deductible before the insurance company will pay benefits? Tired of network limitations? Do you want a plan that offers full benefit transparency and doesn't leave you with bills stacking up after a service that you later found out wasn't covered?

Forget about the negative reputations you have heard about indemnity plans. That is a thing of the past. Our partners have worked hard to provide plans that allow flexibility and customization in their plans, without sacrificing benefits. Fixed-Indemnity Benefit Plans are now a great option.

How do they work? A fixed-indemnity plans pays first, they pay a set, predetermined benefit dollar amount (per day, per week, per month, or per visit) for each service. In many cases that benefit amount paid will exceed the charged amount. In those cases, you, the consumer will receive the extra benefit dollars back. With our flagship carrier this occurs over 85% of the time. That’s correct, a plan that pays you back unused benefit dollars 85% of the time! Think of this as a reward for smart healthcare management.

No deductibles and no copays for outpatient benefits for services like primary care and specialist office visits, chiropractic care, physical and mental health therapy, urgent/ emergency care, diagnostic testing, ambulance transports, surgery, and much more.

They offer a comprehensive plan that includes additional benefits to protect your financial well-being in the case you or your family is diagnosed with a major ailments such as heart attack, stroke, cancer, or accidents. Benefits can be disbursed in lump sums or on a daily/weekly basis during longer visits. Similar to short-term medical plans without the term limitations, fixed-indemnity benefit plans do not require an open enrollment period allowing year round enrollment.

In many cases these plans can be the most affordable health insurance option on the market, saving customers hundreds of dollars each month. They are a great option if income is difficult to determine, too high to receive subsidies, or you travel extensively for work (truck drivers, travel nurses, etc). They are also a great fit for self-employed or small business owners wanting to offer a comprehensive benefit package that is more affordable to employees.

Short-term Major Medical Plans: If you recently lost coverage, are between jobs, or find yourself seeking coverage but do not have a qualifying event to trigger a special enrollment period (SEP). A short-term medical plan (sometimes referred to as private health insurance) may be the right option. Designed for consumers looking for a major medical insurance plan to fill a gap or void in coverage. Short-term health insurance is designed to bridge those gaps in within your health care coverage during times of transition.

These plans allow you to start your coverage quickly (as soon as the next day in many cases), drop your coverage without penalty, customize your plan by choosing from a range of deductible amounts, and apply for another term of coverage if needed. Terms can range from 1-3 months and can be enrolled within anytime of the year, no enrollment period needed.

We only work with the carriers you know and trust. Our networks are the largest in the country and provide needed care, including emergencies. We have made accessing plans easy. Applications require NO health exams! A simple and direct health questionnaire to determine if you qualify. Application takes under 10 minutes to complete.