Covers medical expenses for individuals and families, including doctor visits, hospital stays, and preventive care. Underwriting may be required for off-marketplace plans, and some may have coverage limits or exclusions that are more restrictive than plans bound by Affordable Care Act (ACA) laws. Plans vary based on coverage needs and budget.

Affordable Care Act (ACA) plans provide essential health benefits with options for tax subsidies based on income eligibility. There are no medical underwriting requirements or pre-existing condition exclusions. Open enrollment and special enrollment periods do apply.

An alternative to Original Medicare, these all-in-one plans include hospital, medical, and often prescription drug coverage. Oftentimes, these plans will also come with extra benefits like dental, vision, and gym memberships.

Also known as Medigap, these plans help cover out-of-pocket costs like copays, coinsurance, and deductibles that Original Medicare doesn’t pay. Eligibility is generally limited to those enrolled in Medicare Part A and Part B. If not enrolled during the Medigap Open Enrollment Period, coverage can be denied due to pre-existing conditions, as insurers can medically underwrite outside of this period.

Helps cover the cost of prescription medications for Medicare recipients, reducing out-of-pocket expenses. Often available as standalone plans or included in Medicare Advantage. Late enrollment in Part D may result in a penalty, increasing the monthly premium for as long as the coverage is maintained.

Discount programs that help reduce prescription costs, even for those without insurance. These cards can be used at participating pharmacies to save on many medications. Often, they are available for free and can be accessed by anyone.

Dental insurance covers preventive care like cleanings, exams, and X-rays, as well as treatments such as fillings, crowns, and root canals. Some plans may include coverage for more complex procedures like orthodontics or dentures. Plans vary in coverage limits, deductibles, and out-of-pocket expenses, allowing individuals to choose the right plan for their needs.

Vision insurance covers routine eye exams, prescription glasses, and contact lenses. Some plans offer discounts on frames and lenses and with annual allowances and maximums. Coverage also often includes eye disease screenings and other vision-related services.

Small group health insurance provides coverage for small businesses, often covering employees and their families. These plans can include medical, dental, and vision coverage, offering tax advantages for both the employer and employees, and helping businesses manage healthcare costs.

Hospital indemnity plans pay a lump sum or cash benefits for hospital stays, covering out-of-pocket expenses like deductibles, copays, and lost wages. These plans offer financial relief during a hospital stay, helping with non-medical costs not covered by regular health insurance.