Health coverage options beyond the marketplace.
If your monthly premium feels out of proportion to the care you actually use, an ACA alternative may be worth a look. We’ll help you understand the trade-offs honestly.
Honest about who these plans fit
ACA alternatives are non-marketplace plans that often cost less each month than traditional major medical. They are indemnity plans, with cash payments made directly to you, not the hospital.
- Are self-employed, freelance, or run a small business
- Are generally healthy and want protection against unexpected accidents or illness
- Don’t qualify for premium subsidies and face high premiums
- Want flexibility in choosing doctors and facilities
- Have ongoing conditions or regular prescriptions
- Need maternity or comprehensive preventive care covered
- Qualify for large marketplace premium subsidies
From confusing to clear in a few steps
Tell us where you are
Share a few details about your goals and situation with our short form or a quick call.
Compare your options
We walk through the choices side by side, including the benefits, limits, and costs, so nothing is a surprise.
Decide on your terms
Take your time. If something fits, we help with the application. If not, you still leave better informed.
Straight answers
Is this the same as ACA / Obamacare coverage?
No. ACA plans are regulated marketplace plans with required benefits. Alternatives are different products with different rules, which is why the details matter.
Will it cover my pre-existing condition?
Often not, or only after a waiting period. If you have ongoing health needs, a marketplace plan may serve you better, and we’ll tell you if that’s the case.
Can I keep my own doctor?
Many alternative plans offer broad provider access. We confirm how a specific plan works before you enroll.
What does it cost?
Pricing depends on your age, state, and plan design. Request options and we’ll show real numbers with no obligation.
See your options
Tell us a little about yourself and we’ll follow up.