Non-Traditional Individual Products

So you aren't happy with your choices that are available. Whether they are unaffordable, not your desired network, or you just want to make sure you consider everything before deciding. Here you will find options that don't fit inside the normal box for "ACA Compliant" plans.

 

With this being said, most of these options cannot protect you from the penalty of not having insurance, should the penalty still be in place in 2019.

 

 

Company

Description

National General* uses the Aetna PPO physician network and offers a Short Term medical plan that allows the insured coverage up to 12 months of protection for new onset of injuries or illnesses.  Pre-existing conditions are not covered along with other exclusions.

IHC offers a variety of options ranging from Short Term health plans, Indemnity Plans, and even a "fusion" plan that includes both. IHC has plans with a 12 month waiting period on Pre existing conditions as well.

Formerly Known as Golden Rule, United Health One is United Healthcare's short term policy. It offers several levels of benefits to fit ones needs, much like National General and IHC. 

 

 

PrimaryCarePlus was started by a group of doctors who wanted to bring the focus of healthcare back to the Patient. This plan offers a low membership fee, and can be paired with an Association fee of $5.00 that meets the ACA mandate (through Employer Business Alliance). This plan offers 24/7 access to in-network Primary care doctors, Specialists and Lab Etc. This plan does not offer coverage for Hospital Visits.

Pivot Health Short Term insurance is a Companion Life/Allied Insurance Product that helps it's member's same money each month by reducing the monthly premium. Like United HealthCare, IHC and National General, Pivot is a non-ACA compliant plan that does not cover pre-existing conditions, pregnancy, physicals and other exclusions.

*National General Accident & Health markets products underwritten by National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation.

Medi-Share is an option that is known in the industry as "Faith Based Health Sharing Plans" which use a PPO network, and are compliant under the ACA guidelines. The plans are NOT health insurance plans, but rather members who share medical expenses. There is no guarantee of your bills being covered, however some have an impressive record of claims paid. Pre-existing Conditions are an issue on these plans.

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