Comprehensive Health Coverage with Trusted Support

On-exchange healthcare offers ACA Marketplace plans with essential benefits, pre-existing condition protection, and income-based subsidies via HealthCare.gov or state exchanges .

Key Benefits

Standardized metal tiers, cost-sharing reductions, and premium tax credits lower expenses for eligible buyers .

Good Fit For

Low-to-moderate income individuals/families (100-400% FPL), self-employed, or those without employer coverage .

Off-exchange healthcare plans are purchased directly from insurance companies or through private brokers, outside the government Marketplace. These plans still follow key ACA rules but do not offer federal premium tax credits or cost-sharing subsidies.

Key Benefits

Often more carrier and plan design options, including broader networks or unique benefits. May appeal to shoppers who value flexibility or specific doctors over lowest possible premium.

Good Fit For

Higher-income individuals and families who do not qualify for Marketplace subsidies. Also a good fit for people wanting specific carriers, networks, or plan features not available on-exchange.

Preferred Provider Organization (PPO) plans offer flexibility by allowing you to choose your healthcare providers—including specialists—without a referral.

You gain access to a broad network of hospitals and doctors. To help manage out-of-pocket expenses like high deductibles and cost-sharing for hospital stays, supplemental coverage is also recommended.

Short-term medical plans offer temporary coverage for those in transition, such as between jobs or waiting for other insurance to begin.

They provide essential medical coverage for a limited duration, ensuring you stay protected. 

Hospital Indemnity Insurance is a valuable supplement to your existing health coverage, especially for those enrolled in Medicare. This plan offers cash benefits to help cover the costs associated with hospital stays—paid directly to you, regardless of other insurance.