Health Insurance
Beyond employer plans, you have access to government-subsidized coverage, state assistance, and targeted supplemental policies to protect against major financial shocks.
ACA Enrollees
21M+
Medicaid
80M+
Core Benefits
10
Pre-existing
Covered
Types of Individual & Supplemental Plans
ACA Marketplace
Comprehensive private insurance offering 10 Essential Health Benefits. Premium tax credits are available based on household income.
Annual Open Enrollment
Medicaid
Free or very low-cost coverage for eligible low-income adults, children, pregnant women, elderly adults, and people with disabilities.
Enrollment open 365 days
Dental & Vision
Standalone policies that cover routine exams, cleanings, glasses, and major dental work that standard health plans exclude.
Fills major coverage gaps
Ancillary & Indemnity
Includes Hospital Indemnity, Accident, and Cancer/Critical Illness plans. Pays a lump-sum cash benefit directly to you, not the doctor.
Financial safety net
Enrollment Windows
ACA Marketplace (OEP)
Typically Nov 1 – Jan 15. Special enrollment requires a qualifying life event.
Medicaid & CHIP
No strict window. You can apply and enroll 365 days a year if you qualify.
Supplemental & Indemnity
Most ancillary policies can be purchased year-round to supplement existing plans.
Why add Indemnity Insurance?
Hospital and critical illness payouts can be used for anything—medical deductibles, rent, groceries, or lost wages while recovering.
Want to find the right combination of coverage for your specific needs and budget?
