Find Affordable Health Plans in Your Area

ACA (Affordable Care Act) plans, commonly known as Obamacare, are marketplace health insurance plans that meet federal requirements for essential health benefits. These plans are available during open enrollment periods and may qualify you for premium subsidies based on your household income. ACA plans cannot deny coverage for pre-existing conditions and cover preventive care at no extra cost.

A fixed indemnity plan pays a set cash benefit for each covered medical event, such as a doctor visit, hospital stay, or diagnostic test. Unlike traditional insurance, it pays you directly regardless of your actual medical bill. These plans are often used to complement major medical insurance, helping cover deductibles, copays, and other out-of-pocket expenses.

A limited indemnity plan provides set cash amounts for specific medical services like doctor visits, hospital admissions, surgeries, and prescriptions. Benefits are paid at fixed dollar amounts rather than a percentage of the bill. These plans typically have lower premiums and can be a budget-friendly option, though they may not cover all healthcare costs like comprehensive plans do.

A PPO (Preferred Provider Organization) plan gives you the flexibility to see any doctor or specialist without needing a referral. You save more when you use in-network providers, but you still have coverage for out-of-network care. PPO plans are popular for their balance of provider choice and cost management, making them ideal if you want more control over your healthcare decisions.

An HMO (Health Maintenance Organization) plan typically offers lower premiums and out-of-pocket costs in exchange for using a network of designated providers. You choose a primary care physician who coordinates your care and provides referrals to specialists. HMO plans emphasize preventive care and are a cost-effective choice for individuals and families who prefer a structured approach to healthcare.

Short-term health insurance provides temporary medical coverage for gaps between plans, such as between jobs, waiting for employer benefits to start, or aging off a parent's plan. These plans can last from a few months up to a year and typically offer limited benefits compared to ACA plans. They usually have lower premiums but may not cover pre-existing conditions or all essential health benefits.