Affordable Individual & Family Health Insurance
Plans Starting at $17 / Month.
Having the Right Health Insurance is Key to Quality Health Healthcare and Preventing Financial Disasters; It’s Attainable Through Our Expertly Recommended Affordable Health Insurance Plans.
Based on your needs and budget, We Shop All Available Options (Including ACA & Non- ACA Plans) to Find You, The Right Coverage at Right Price.
The Law Fixes Insurance Rates: You WILL NOT Find A Better Price Elsewhere. Our Services Are Completely Free.
We Shop, Saving You Time and Money.
We Make Obtaining Quality Healthcare Coverage Easy
134 + Carriers with Over 14,000 Plans
Individual & Family Health Insurance Options
Affordable Care Act (ACA) / Obamacare
Most Major Medical Health Insurance fall under Affordable Care Act (ACA). Highlights if ACA plans are as follows:
- Coverage for Pre-Existing Conditions
- Preventative Health Services
- Mental & Substance Abuse Coverage
- No limitation for Maximum Life-time Benefit
- Advance Premium Tax Credit (APTC) Based on Income
- Emergency Services
- Pregnancy, Maternity, and Newborn Care
We offer Affordable Care Act (ACA) plans nationally and in local Colorado Market. We are an authorized broker with Connect for Health Colorado and Covered California State Exchanges.
All other plans that are outside of ACA are Non-ACA Plans. They Include:
- Short -Term Medical Plans
- Medical Indemnity & Defined Benefit Plans
- Health-Share Ministry Plans
Short-Term Medical Plans
These plans are an inexpensive way to obtain healthcare coverage. They offer national PPO Network. They range from 1 month to 13-month coverage. These plans are not available in all states (based on state regulations).
Short-Term plans typically don’t cover pre-existing conditions coverage or have a 12-month waiting period. If you are in great health without any history of pre-existing conditions, Short-Term Health Plans might be the way to go.
Medical Indemnity & Defined Benefit Plans
These plans offer fixed dollar benefits for medical services used. They offer nationwide PPO network and are an inexpensive way to obtain healthcare coverage.
For example, in-network renegotiated primacy care doctor visits cost $150. Let’s assume the plan pays $100 and you’re responsible for the remainder $50.
Health-Share Ministry Plans
Health-share plans are cooperatives – often faith-based – with members agreeing to cover a certain portion of each other’s medical costs. They are NOT insurance. They do offer In-Network and Out of Network benefits. Not all Health-Share are the same. Some are more restricted than others.
Highlights of Health-Share Ministry Plans:
- Affordable alternative to traditional health insurance.
- They do have a waiting period, and some don’t cover pre-existing conditions.
- Enrollment is not guaranteed as they do have some basic underwriting requirements.
- They don’t cover everything. For example, tobacco related illness, mental health, substance abuse, and other services are not covered.
We do offer a wide range of Health-Share Ministry plans. These plans
aren’t for everyone. Speak with an agent for an evaluation.
OTHER INDIVIDUAL & FAMILY INSURANCE PRODUCTS
Disclaimer: Plan requirements, qualifications, restrictions, and availability apply. Please speak with a licensed agent for details. Call Us (720) 744-0065
We offer Individual & family insurance nationally
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