Why do I need health insurance plan?

You want to make sure that you are ready when the unexpected happens. Whether this is an accident or an illness, you may not be prepared to deal with the associated expenses. Having health insurance can decrease the burden. You have an Marketplace Plan or a Short Term Medical Plan. These plans do not necessarily come with dental, vision, or hearing coverage. You will be able to obtain these plans under separate coverage.

ACA/OBAMACARE: Marketplace Plans

The Affordable Care Act, also called ACA and Obamacare, is a health care law that was enacted in 2010. It makes health insurance more affordable for more people. Many people who do not have group insurance are able to shop for health insurance. They now have access to health insurance through Marketplaces. People may be eligible for subsidies, money paid by the government to health insurance companies to lower the monthly premium you pay, based on their income, household size, and other factors. The law also expanded Medicaid eligibility in some states for adults with incomes below 138% of the federal poverty level. And, it helps to lower the costs of medical care overall. Many people are able to qualify for low or no premium plans based on their income. If you have a higher income, there are marketplace and non-marketplace health insurance options

There is no longer a penalty for not having health insurance. But you do not want to have a health or medical crisis and have no health insurance. This could have harsh financial consequences. Do not go without health insurance. We can help you find affordable coverage.


Short-Term Medical plans offer off-exchange/non-exchange medical coverage. Some do have networks or certain providers who accept the plans. Other plans do not have networks. Depending on your situation, this may be the path for you. These are not considered major medical or ACA level plans.

If you would like more information about either type of health plan, you can click the "Click to Call" button above or complete the form below.

Do you want us to help you choose a marketplace health plan?

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We do not offer every plan available in your area. Currently we represent 23 organizations which offer 1,779 products nationwide. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

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