Complete Health Protection.
Explore Marketplace, Private, and Supplemental options.
Explore Marketplace, Private, and Supplemental options.
Major medical insurance is your foundation. We help you choose between income-based Marketplace plans and flexible Private options.
Plans are based on income. If you qualify for a subsidy, your monthly premium could be significantly reduced.
If you don't qualify for a subsidy, private plans often offer broader doctor networks and more flexibility.
Most major medical plans focus on hospitalizations and doctor visits. Ancillary plans cover the "rest"—from your teeth and eyes to cash payments for unexpected accidents.
Dental & Vision
Covers routine cleanings, eye exams, and allowances for frames or major dental work.
Accident Expense
Pays you a cash benefit directly for injuries, helping cover your medical deductible or lost wages.
Critical Illness
Provides a lump-sum payment upon diagnosis of major illnesses like cancer, heart attack, or stroke.
Hospital Indemnity
Fixed cash payments for every day you are confined to a hospital, regardless of your other insurance.
Pro Tip: Bundling ancillary plans with a high-deductible health plan can often save you money on monthly premiums while keeping you protected.
You can enroll during the **Open Enrollment Period** (typically Nov 1 – Jan 15). Outside of those dates, you may qualify for a **Special Enrollment Period** if you have a life event like losing coverage, moving, or getting married.
A subsidy is a federal credit that lowers your monthly premium. It is based on your estimated household income for the year.
Yes, all Marketplace (ACA) plans are required by law to cover pre-existing conditions with no waiting periods.
While you can add them anytime, it is often easier and more cost-effective to bundle them with your health insurance application.