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You’ve tried searching for affordable health insurance, cheap health insurance, reliable health coverage, even the best health insurance for the money. If you are shopping for an individual health plan, you might have an idea what you want or need from your medical coverage, but not know the exact product to search for. Here are the health care insurance plans you’re most likely to find.

What are my health insurance options?

Other health-related insurance options?

What are my main health insurance options?

Affordable Care Act (ACA) insurance

This option, often called Obamacare, gets all the press. Per the ACA, everyone, with a few exceptions, must be covered by medical insurance that meets the ACA requirement of minimum essential coverage or potentially face a tax penalty.

  • ACA health plans are guaranteed issue, meaning you can’t be turned down for coverage or charged a higher rate based on preexisting health conditions.
  • All plans cover the same ten essential health benefit areas, including preventive care, maternity care, and prescription coverage, among others.
  • Some tax credits and subsidies may help with the cost of your monthly premium depending on your income level.
  • Enrollment is limited to an annual open enrollment period (OEP), usually in November and December, unless you have some qualifying reason for special enrollment.

Bottom line: ACA coverage is by no means cheap health insurance. However, if you need major medical coverage for an extended time or have preexisting medical conditions, an ACA plan may be your best option, especially if your income level qualifies you for tax credits and subsidies.

Call 1-800-273-8115 for more information on ACA health plans.


  • Guaranteed Issue
  • 10 Essential Health Benefits
  • Limited Open Enrollment

Short term health insurance1

Short term medical insurance is sometimes called term medical insurance or temporary medical insurance. That’s because it’s designed to provide health care coverage during a limited series of months where you don’t have other coverage.

  • Designed to be your primary health insurance, but doesn’t offer the same benefits as ACA medical plans. Plans will vary in what they cover.
  • Plans typically do not cover preexisting medical conditions.
  • You have to answer a series of medical questions to determine if you qualify.
  • Short term medical insurance generally costs less than ACA coverage, but you may be subject to a tax penalty.
  • You can apply at any time, all year round.

Bottom line: Have you lost or just rolled off some other coverage or do you need temporary medical insurance while you decide on a longer term solution? A short term health plan may be for you.

Short Term

  • Answer Questions to Qualify
  • Limited Time Length
  • Apply any time


If you’re 65 or older, or are under 65 with a qualifying disability or condition, you are eligible for comprehensive medical insurance through Medicare.

  • Medicare Part A covers hospital insurance, Part B medical insurance (for doctor visits, lab work, etc.), and Part D prescription drug coverage.
  • Or, wrap up Part A, Part B and even in some cases Part D dug coverage in a single Medicare Advantage plan (referred to as Medicare Part C).
  • In most cases, your enrollment period for Medicare is three months before and after the month you turn 65.

Bottom line: If you’re approaching 65, or are younger and qualify, looking into your various Medicare options may be your best health coverage option.

Call 1-844-731-6094, TTY 711 for more information on Medicare Advantage plans insured through UnitedHealthcare Insurance Company.15


  • Age 65 or Have Disability
  • Many Different Options
  • Limited Open Enrollment

What coverage options are right for you and your loved ones? Let us help you decide!

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Other health-related insurance options

A major medical insurance plan isn’t your only option. You can choose to add the following insurance plans to help with some costs that aren’t covered by your main medical insurance.

Hospital and doctor fixed indemnity plans19

Hospital and doctor fixed indemnity insurance, often called fee for service insurance or fixed benefit insurance, pays a set amount of money after you receive specific covered medical services.

  • You’re paid that money regardless of other coverage you have. You get cash that you can use to help offset expenses your main insurance might not cover.
  • You can generally apply for these plans at any time.
  • Most often you have to answer a series of medical questions to apply and qualify.
  • Plans vary in what services they cover, and generally do not cover services resulting from preexisting health conditions.

Bottom line: Worried that high deductibles or other out-of-pocket costs from your main health plan will turn it into less affordable health insurance for you? A fixed indemnity plan might help.

Hospital & Doctor

  • Answer Questions to Qualify
  • Pays Fixed Benefit Amounts
  • Apply Any Time

Critical Illness insurance and Accident insurance

  • You may hear critical Illness insurance referred to as critical care insurance or critical illness coverage. Whatever the name, these plans pay a lump sum cash benefit if you have a stroke or heart attack or are diagnosed with a qualifying serious illness like cancer.
  • Accident insurance, also known as supplemental accident insurance or personal accident insurance, is designed to help pay those medical costs resulting from unexpected injuries

Bottom line: If you’re worried that injury or illness might strain your finances, adding one of these plans to your health care coverage may be in order.

Last Updated: 02.09.2018 12:01AM ET Y0066_171215_053222 Accepted

1 Short term health insurance does not meet minimum essential coverage requirements, meaning signing up for this coverage may result in a tax penalty. Plans are subject to health underwriting, and do not cover preexisting conditions.

4 Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

1 THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes for 2018.


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