Health Insurance Guidance Center

How to Qualify for ACA Subsidies and Lower Your Costs

How to Qualify for ACA Subsidies and Lower Your Costs

Learn how ACA subsidies work, who qualifies, and how to lower your monthly health insurance costs with financial assistance. ...more

COBRA Alternatives

February 25, 20250 min read

5 Mistakes to Avoid When Choosing a COBRA Alternative

5 Mistakes to Avoid When Choosing a COBRA Alternative

Avoid costly mistakes when selecting a COBRA alternative. Learn how to find better, more affordable health insurance options. ...more

COBRA Alternatives

February 21, 20250 min read

How to Switch from COBRA to a More Affordable Health Plan

How to Switch from COBRA to a More Affordable Health Plan

Need to transition from COBRA to a new health plan? Learn how to switch smoothly and find affordable alternatives. ...more

COBRA Alternatives

February 18, 20250 min read

THIS IS NOT A GOVERNMENT WEBSITE


Affordable Care Act

Affordable Care Act (ACA) is an extensive healthcare reform sometimes referred to as Obamacare. As per ACA, individual medical insurance plans must cover ten Essential Health Benefits in order to be recognized as a Qualified Health Plan (QHP)and provide “minimum essential coverage (MEC)” to enrollees. To find more information on QHP options in your state, visit www.HealthCare.gov. Premium tax credits are subject to eligibility requirements.

Short Term Medical (STM)

Comprehensive medical coverage is not provided by STM Insurance plans. STM doesn’t fall under the minimum essential coverage as defined by the ACA and may not cover all Essential Health Benefits. Plans typically don’t cover preexisting conditions and may have financial limitations on health benefits.

Fixed Indemnity/Limited Indemnity Plans

Indemnity Plans are complementary to health insurance plans, not a replacement for insurance or a substitute for the minimum essential coverage required by the ACA. If you are eligible for Medicaid, check if these payments affect your coverage and eligibility. Submitting your information constitutes permission for an agent to contact you with additional information about the cost and coverage details of health plans. Possible options include, but are not limited to Major Medical Plans, Short Term Plans, Fixed Indemnity Plans, and more. Descriptions are for informational purposes only and subject to change. Insurance plans may not be available in all states. For a complete description, please call us to determine eligibility and to request a copy of the applicable policy. Quotes may vary depending on various factors, including coverage choices, insurance companies’ underwriting practices, and others. By using this site, you acknowledge that you have read and agree to the Terms of Service and Privacy Policy. We are committed to protecting your privacy. If you do not want to share your information please click on Do Not Sell My Personal Information for more details.

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