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Health insurance that fits your situation.

Whether you're between jobs, self-employed, or need coverage for your family, we'll help you compare plans and find one that fits your situation and your budget.

Get a health insurance quoteor call 888-668-7219

Health plans for every need

From comprehensive family coverage to temporary protection, we have options that fit your life.

Individual & Family Plans

Comprehensive coverage for you and your loved ones.

Comprehensive health insurance for individuals and families who don't have access to employer-sponsored coverage.

Depending on your household size and income, you may qualify for a tax credit that lowers your monthly premium.

Includes
  • Preventive care
  • Emergency services
  • Prescription coverage
  • Mental health support
Best for
Individuals, families, self-employed
Benefits and things to keep in mind: Individual & Family Plans

Key benefits

  • Preventive care including annual checkups, screenings, and immunizations
  • Emergency services for unexpected medical situations
  • Prescription drug coverage for both generic and brand-name medications
  • Mental health and substance use treatment
  • Maternity and newborn care
  • Pediatric services, including dental and vision care for children
  • Coverage for pre-existing conditions, with no exclusions
  • The essential health benefits required by the Affordable Care Act

Keep in mind

  • Monthly premiums vary based on age, location, and coverage level
  • Deductibles and out-of-pocket maximums apply
  • Networks vary. We check that your preferred doctors are included
  • You can enroll during open enrollment, or after a qualifying life event

Short-Term Medical

Temporary coverage during life transitions.

Temporary health insurance for gaps in your regular coverage, such as between jobs or while waiting for other coverage to begin.

Short-term plans are not a substitute for comprehensive coverage and do not have to cover pre-existing conditions.

Includes
  • A simple application
  • Flexible start dates
  • Emergency coverage
  • Doctor visits
Best for
Between jobs, recent graduates
Benefits and things to keep in mind: Short-Term Medical

Key benefits

  • A simple application with a fast decision
  • Coverage for a limited term. Federal and state rules set how long a policy can last
  • Emergency medical coverage for accidents and sudden illnesses
  • Doctor visits and urgent care
  • Hospital stays and surgical procedures
  • Prescription drug benefits, which vary by plan
  • Monthly premiums that are usually lower than comprehensive plans

Keep in mind

  • May not cover pre-existing medical conditions
  • Limited coverage compared to comprehensive health plans
  • Does not meet Affordable Care Act coverage standards
  • May have lifetime or annual benefit limits
  • Preventive care coverage may be limited
  • Cannot be renewed indefinitely. Ask us for the current limit in your state

Healthcare Sharing Plans

A faith-based alternative to traditional insurance.

Members who share common religious or ethical beliefs contribute monthly and share one another's eligible medical expenses.

A healthcare sharing plan is not insurance. Payment of your medical bills is not guaranteed.

Includes
  • Community support
  • Monthly sharing amounts
  • Shared medical expenses
  • See any doctor
Best for
Faith-based communities
Benefits and things to keep in mind: Healthcare Sharing Plans

Key benefits

  • A community-based support system built on shared values and beliefs
  • Monthly sharing amounts that are often lower than insurance premiums
  • Eligible medical expenses are shared among members
  • No network restrictions on doctors or hospitals
  • Personal care coordinators to help you use the program
  • Often includes prayer and spiritual support during illness

Keep in mind

  • Not regulated as insurance. There is no guarantee your bills will be paid
  • May have restrictions based on lifestyle choices
  • Pre-existing conditions typically have waiting periods
  • Certain medical services may not be eligible for sharing
  • Members must attest to shared religious beliefs
  • Does not meet Affordable Care Act coverage standards
  • Annual and lifetime sharing limits may apply

Side by side

These three options protect you in very different ways. The differences matter most when you have a health condition or a large bill.

How the health coverage options compare

Individual & Family

Pre-existing conditions
Covered
Meets ACA standards
Yes
Regulated as insurance
Yes
How long it lasts
All year, renewable each year
Best for
Individuals, families, self-employed

Short-Term Medical

Pre-existing conditions
May not be covered
Meets ACA standards
No
Regulated as insurance
Yes
How long it lasts
A limited term
Best for
Between jobs, recent graduates

Healthcare Sharing

Pre-existing conditions
Usually a waiting period
Meets ACA standards
No
Regulated as insurance
No
How long it lasts
For as long as you remain a member
Best for
Faith-based communities

When you can enroll

Individual and family plans have a yearly enrollment window. Outside it, you need a qualifying life event.

Open EnrollmentNovember 1 to January 15
The yearly window to enroll in or change a Marketplace plan on HealthCare.gov. Enroll by December 15 for coverage that starts January 1. States that run their own marketplace may use different dates.
Special Enrollment PeriodUsually within 60 days of a life event
Losing other coverage, moving, getting married or having a child can let you enroll outside open enrollment.

How we help with health insurance

We make finding the right health insurance simple, affordable, and stress-free.

Comprehensive coverage
Plans that cover you from routine checkups to major medical events.
Affordable options
Plans for a range of budgets, and we check whether you qualify for savings.
Your doctors, checked
Before you enroll, we check whether your doctors and hospitals are in a plan's network.
Simple enrollment
We complete the application with you, from start to finish.

Ready for better health coverage?

Tell us about your household and we'll show you the plans, and the savings, you may qualify for.

Speak with a licensed agent

888-668-7219

Mon to Fri 9 to 6, Sat 10 to 4 Eastern

Get a health insurance quote