Health Insurance
(under 65)
Open Enrollment Period occurs each year beginning on November 1st.
You may qualify for a “special enrollment period” if you have a change in your situation; such as getting married, having a baby, moving, or losing health coverage.
- Deep, comprehensive medical coverage
- Guaranteed Issue (no pre-existing limitations)
- Ages 18-64
- You may qualify for government subsidies (aka Premium Tax Credits) that will help reduce your monthly insurance costs. Savings are calculated depending on family household size and income level.
HealthSherpa makes the process easy! Quickly see what you qualify for under the Affordable Care Act, and easily compare plans to meet your needs.
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NON-ACA PROGRAMS
IHA Healthcare is a new option for those that don’t qualify for subsidies through ACA plans. If you are approved, IHA Healthcare provides an excellent option that can be used in all 50 states.
- Must be self-employed/1099 contractor to qualify
- Plans available for individuals and families
- Ages: 18-64
- Similar to traditional health insurance including: first-day coverage, no pre-existing conditions, national network, +more.
- Major Medical (ACA compliant)
SHORT TERM MEDICAL PLANS
Short Term Medical (STM) plans are for healthy individuals and families that need a less expensive type of coverage for up to 11 months.
Depending on the carrier and plan selected, benefits may include: doctor visits, some preventative care, ER & Urgent Care visits, +more.
- Plans available for individuals and families
- Ages: 0-64
- Choose your own coverage & deductible that meets your needs
- Get coverage as soon as the next day
MEDICAL COST SHARING PLANS
INDIVDUAL & GROUP HEALTH PROGRAMS
Sharing Plans are favored by healthy people who are looking for a more affordable option than other comprehensive plans.
These programs do have a pre-existing limitation that goes away after 3 years and has unlimited benefits for eligible bills.
(Non-Profit — Non-Insurance Programs)
